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# Stored Instruments API (Beta)

The Stored Instruments API lets developers empower shoppers to save credit cards, bank accounts, and PayPal accounts for a faster checkout experience. You can create, modify, list, and delete stored instruments, as well as set default stored payment instruments for a given customer.

This API consists of endpoints that use two different servers:

* **Stores V3 server** (`api.bigcommerce.com`) — Most operations, including listing, importing, updating, and deleting instruments. Authenticate with an [X-Auth-Token header](/developer/docs/overview/api-fundamentals/api-accounts#access-tokens) and the **Stored Payment Instruments** OAuth scope.
* **Payments server** (`payments.bigcommerce.com`) — For PCI-compliant operations that handle raw card data, such as attaching an instrument to a customer. Authenticate with a Bearer instrument access token (IAT).

For detailed request and response examples, see the [Stored Instruments guide](/developer/docs/admin/checkout-and-cart/payments/stored-instruments).