> For clean Markdown of any page, append .md to the page URL.
> For a complete documentation index, see https://docs.bigcommerce.com/developer/api-reference/rest/admin/payments/stored-instruments/llms.txt.
> For AI client integration (Claude Code, Cursor, etc.), connect to the MCP server at https://docs.bigcommerce.com/_mcp/server.

# 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).

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## API Docs

- Manage Instruments [Create Instrument Access Token](https://docs.bigcommerce.com/developer/api-reference/rest/admin/payments/stored-instruments/manage-instruments/create-token.md)
- Manage Instruments [List Instruments](https://docs.bigcommerce.com/developer/api-reference/rest/admin/payments/stored-instruments/manage-instruments/list-instruments-for-store.md)
- Manage Instruments [Bulk Import Instruments](https://docs.bigcommerce.com/developer/api-reference/rest/admin/payments/stored-instruments/manage-instruments/bulk-import-instruments.md)
- Manage Instruments [Update Instrument](https://docs.bigcommerce.com/developer/api-reference/rest/admin/payments/stored-instruments/manage-instruments/update-instrument.md)
- Manage Instruments [Bulk Delete Instruments](https://docs.bigcommerce.com/developer/api-reference/rest/admin/payments/stored-instruments/manage-instruments/bulk-delete-instruments.md)
- Manage Instruments [Remove Instrument from Store and Gateway](https://docs.bigcommerce.com/developer/api-reference/rest/admin/payments/stored-instruments/manage-instruments/unvault-instrument.md)
- Manage Instruments [List Available Payment Method Ids](https://docs.bigcommerce.com/developer/api-reference/rest/admin/payments/stored-instruments/manage-instruments/list-methods-for-store.md)

## OpenAPI Specification

The raw OpenAPI 3.1 specification for this API is available at:
- [OpenAPI JSON](https://docs.bigcommerce.com/developer/api-reference/rest/admin/payments/stored-instruments/openapi.json)
- [OpenAPI YAML](https://docs.bigcommerce.com/developer/api-reference/rest/admin/payments/stored-instruments/openapi.yaml)