> ## Documentation Index > Fetch the complete documentation index at: https://docs.crossmint.com/llms.txt > Use this file to discover all available pages before exploring further. # List Payment Methods by User > Retrieve the bank account payout methods saved for a given user. Returns a paginated list of the bank account payout methods saved for a given user. ## Returns An object with a `data` array of [PaymentMethod](/offramp/api-reference/payment-methods/payment-method-object) objects. Use the `cursor` parameter to paginate; when `nextCursor` is present, more pages are available. ## OpenAPI ````yaml api-reference/_open-api/OfframpAPIs.json GET /unstable/payment-methods openapi: 3.0.1 info: description: | Offramp APIs for cashing out stablecoins to fiat. version: 1.0.0 title: Offramp contact: name: Crossmint Offramp APIs url: https://www.crossmint.com email: support@crossmint.com servers: - url: https://staging.crossmint.com/api description: Staging environment (testnets) - url: https://www.crossmint.com/api description: Production environment (mainnets) security: [] tags: - name: Offramp description: APIs to cash out stablecoins to fiat (offramp) - name: Payment Methods description: Manage bank account payout methods for offramp. paths: /unstable/payment-methods: get: tags: - Payment Methods summary: List payment methods by user description: >- Returns a paginated list of the bank account payout methods saved for a user, newest first by default. Soft-deleted methods are excluded. **API scope required**: `payment-methods.read` operationId: listPaymentMethodsByUser parameters: - name: userLocator in: query required: false schema: type: string description: >- Identifies the target user. Format: `:` (e.g., `email:alice@example.com`, `userId:abc123`). Required with server API key auth; ignored with JWT. example: email:alice@example.com - name: type in: query required: false schema: type: string enum: - bank-account-us - bank-account-mx-clabe - bank-account-co - bank-account-sepa-iban description: >- Filter by payment method type. Without this filter, all types are returned. - name: cursor in: query required: false schema: type: string description: >- Opaque pagination cursor from a previous response. Pass to retrieve the next page. - name: limit in: query required: false schema: type: integer minimum: 1 maximum: 100 default: 30 description: Maximum number of results per page (1-100, default 30). - name: sort in: query required: false schema: type: string enum: - asc - desc description: >- Sort by creation date: `asc` (oldest first) or `desc` (newest first, default). - name: hasPayout in: query required: false schema: type: string enum: - 'true' - 'false' description: >- Filter to payout methods that have (`true`) or have not (`false`) funded a settled offramp payout. Omit to return all payout methods regardless of payout history. responses: '200': description: >- Paginated list of PaymentMethod objects. `nextCursor` and `previousCursor` are included when additional pages exist in that direction. content: application/json: schema: $ref: '#/components/schemas/PmPaginatedPaymentMethods' example: data: - paymentMethodId: dd8a59c6-aac0-47c2-9c21-686caf7f0359 default: false displayName: Chime ••6259 type: bank-account-us bankAccount: billing: name: Alice Smith phone: '+12125551234' address: line1: 123 Main St city: New York stateOrRegion: NY postalCode: '10001' country: US bankName: Chime accountSuffix: '6259' currency: usd country: US entityType: individual bankAddress: line1: 123 Main St city: New York stateOrRegion: NY postalCode: '10001' country: US routingNumber: '091300010' accountType: checking - paymentMethodId: 3323460b-d9d2-4ec6-b380-8a3e01e3f226 default: false displayName: SEPA Account ••6789 type: bank-account-sepa-iban bankAccount: billing: name: Hans Müller phone: '+4915112345678' address: line1: Unter den Linden 1 city: Berlin stateOrRegion: BE postalCode: '10117' country: DE bankName: null accountSuffix: '6789' currency: eur country: DE entityType: individual bic: COBADEFFXXX nextCursor: eyJsYXN0SWQiOiI2NDUifQ== previousCursor: null '400': description: Invalid query parameters. content: application/json: schema: $ref: '#/components/schemas/Pm400ResponseGeneral' examples: missing_locator: description: Missing userLocator when using API key auth value: error: true message: userLocator is required when not using JWT authentication code: PAYMENT_METHOD_INVALID_USER_LOCATOR '401': description: Missing or invalid API key. content: application/json: schema: $ref: '#/components/schemas/Pm401Response' '403': description: Authentication source not allowed. content: application/json: schema: $ref: '#/components/schemas/Pm403Response' '404': description: User not found for the given locator. content: application/json: schema: $ref: '#/components/schemas/Pm404Response' examples: user_not_found: description: User not found value: error: true message: User not found for the provided locator security: - apiKey: [] servers: - url: https://staging.crossmint.com/api description: Staging - url: https://www.crossmint.com/api description: Production components: schemas: PmPaginatedPaymentMethods: type: object description: Paginated list of payment methods. required: - data properties: data: type: array items: $ref: '#/components/schemas/PmPaymentMethod' description: Array of payment method objects for the current page. nextCursor: type: string nullable: true description: >- Cursor to fetch the next page. `null` when there are no more results. previousCursor: type: string nullable: true description: Cursor to fetch the previous page. `null` on the first page. Pm400ResponseGeneral: type: object properties: error: type: boolean example: true message: type: string description: Human-readable error message describing what went wrong code: type: string description: Machine-readable error code for programmatic handling enum: - PAYMENT_METHOD_INVALID_USER_LOCATOR description: Bad request (e.g., missing or invalid userLocator). Pm401Response: type: object properties: error: type: boolean example: true message: type: string example: Missing or invalid API key. description: Missing or invalid API key / JWT. Pm403Response: type: object properties: error: type: boolean example: true message: type: string example: Payment methods are not allowed with this authentication source description: API key lacks the required scope for this operation. Pm404Response: type: object properties: error: type: boolean example: true message: type: string example: Payment method not found description: Payment method not found, deleted, or belongs to a different user. PmPaymentMethod: title: Bank account type: object description: >- A saved bank account payout method. Sensitive fields (full account numbers and IBANs) are never included in responses. properties: paymentMethodId: type: string format: uuid description: Unique identifier (UUID v4), assigned by the server on creation. default: type: boolean description: >- Whether this is the user's default payment method. Only one per user can be the default; setting a new default automatically unsets the previous one. displayName: type: string description: >- Human-readable label derived by the server (e.g., "Chime ••6259", "SEPA Account ••6789"). Not settable by the client. type: type: string enum: - bank-account-us - bank-account-mx-clabe - bank-account-co - bank-account-sepa-iban description: >- Payout method type. Determines the country-specific `bankAccount` fields that are present. bankAccount: type: object description: >- Bank account details. Present when `type` is a bank type. Full account numbers and IBANs are never included. properties: billing: type: object description: Account holder billing details as provided on creation. bankName: type: string description: Name of the bank, or `null` if the bank could not be identified. nullable: true accountSuffix: type: string description: Last four digits of the account number, CLABE, or IBAN. currency: type: string description: ISO 4217 currency code in lowercase (e.g., `usd`, `eur`). country: type: string description: ISO 3166-1 alpha-2 country code. entityType: type: string description: Account holder type. Present when provided on creation. enum: - individual - business routingNumber: type: string description: ABA routing number. US only. accountType: type: string description: Account type. US and CO only. enum: - checking - savings bankAddress: type: object description: Bank mailing address. US only. bankCode: type: string description: Bank code. MX and CO only. bic: type: string description: BIC/SWIFT code. SEPA only; present when provided on creation. taxId: type: string description: Mexican tax identifier (RFC). MX only; present when provided. businessDescription: type: string description: Business description. MX only; present when provided. required: - billing - bankName - accountSuffix - currency - country lastPayoutAt: type: string format: date-time description: >- Read-only. ISO 8601 timestamp of the most recent successful offramp payout funded by this bank account. Absent if none. required: - paymentMethodId - default - type - displayName - bankAccount securitySchemes: apiKey: type: apiKey name: X-API-KEY in: header ````