> ## 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. # Update a Payment Method > Update the billing details or default status of an existing payout method. Updates a payout method's billing details or default status. Only `default` and `billingDetails` can be changed. ## Returns Returns the updated [PaymentMethod](/offramp/api-reference/payment-methods/payment-method-object) object. ## OpenAPI ````yaml api-reference/_open-api/OfframpAPIs.json PATCH /unstable/payment-methods/{paymentMethodId} 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/{paymentMethodId}: parameters: - $ref: '#/components/parameters/PaymentMethodId' patch: tags: - Payment Methods summary: Update a payment method description: >- Updates a payout method's billing details or default status. Only `default` and `billingDetails` can be modified; the account type and account numbers are immutable after creation. The request body must contain at least one of these fields. **API scope required**: `payment-methods.update` operationId: updatePaymentMethod parameters: - name: paymentMethodId in: path required: true schema: type: string format: uuid description: UUID of the payment method. - 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 requestBody: required: true content: application/json: schema: $ref: '#/components/schemas/PmUpdatePaymentMethodRequest' example: billingDetails: address: line1: 456 Oak Ave city: Chicago postalCode: '60601' country: US stateOrRegion: IL responses: '200': description: Updated PaymentMethod object. content: application/json: schema: $ref: '#/components/schemas/PmPaymentMethod' examples: SEPA: summary: SEPA value: 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 BankAccountUs: summary: US Bank Account value: 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 BankAccountMx: summary: MX Bank Account value: paymentMethodId: 27bacbe1-d0ff-4bc3-b37a-ca91cc64fa39 default: false displayName: MX Bank Account ••9719 type: bank-account-mx-clabe bankAccount: billing: name: Javier Toledo phone: '+525512345678' address: line1: Av. Reforma 1 city: Mexico City stateOrRegion: CDMX postalCode: '06600' country: MX bankName: null accountSuffix: '9719' currency: mxn country: MX entityType: individual bankCode: '138' BankAccountCo: summary: CO Bank Account value: paymentMethodId: 1cad2281-bd3d-4219-8787-7dfea94c60b1 default: false displayName: CO Bank Account ••7890 type: bank-account-co bankAccount: billing: name: Carlos Gómez phone: '+573001234567' address: line1: Carrera 7 city: Bogotá stateOrRegion: DC postalCode: '110010' country: CO bankName: null accountSuffix: '7890' currency: cop country: CO entityType: individual bankCode: '001' accountType: savings '400': description: Invalid request. 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: Payment method not found or does not belong to this user. content: application/json: schema: $ref: '#/components/schemas/Pm404Response' '422': description: Request body failed schema validation. content: application/json: schema: $ref: '#/components/schemas/Pm422Response' security: - apiKey: [] servers: - url: https://staging.crossmint.com/api description: Staging - url: https://www.crossmint.com/api description: Production components: parameters: PaymentMethodId: name: paymentMethodId in: path required: true schema: type: string format: uuid description: PaymentMethod identifier. schemas: PmUpdatePaymentMethodRequest: type: object description: >- At least one of `default` or `billingDetails` must be provided. Payout method type and account numbers cannot be changed after creation. properties: default: type: boolean description: >- Set to `true` to make this the user's default payment method. Automatically unsets the previous default. billingDetails: type: object description: >- Updated billing information. Must include at least one of `name`, `phone`, or `address`. Only provided fields are updated; omitted fields remain unchanged. properties: name: type: string description: Updated full name. phone: type: string description: Updated phone number in E.164 format. address: type: object description: >- Updated billing address. Replaces the entire address object. All fields except `line2` are required. properties: line1: type: string description: Primary address line (max 200 characters). line2: type: string description: >- Secondary address line — apartment, suite, unit, etc. (max 60 characters). city: type: string description: City (max 50 characters). stateOrRegion: type: string description: State, province, or region (max 50 characters). postalCode: type: string description: Postal or ZIP code (max 20 characters). country: type: string description: >- Two-letter ISO 3166-1 alpha-2 country code (e.g., `US`, `DE`). required: - line1 - city - postalCode - stateOrRegion - country 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 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. Pm422Response: type: object properties: error: type: boolean example: true message: type: string example: Request body failed schema validation description: >- Request body validation failed (e.g., missing required fields, invalid field format). securitySchemes: apiKey: type: apiKey name: X-API-KEY in: header ````