# How to Update a Payment Method (Billing Address, Postal Code, etc.)

## Why You Might Want to Do This

You can update payment method information using the PATCH API endpoint. You might need to do this for several reasons:

- A customer made a typo during checkout (e.g. wrong ZIP or phone number).
- The billing address changed and needs to be corrected.
- Card expiry information needs to be updated.

## Endpoint

**PATCH** `/payment_methods/{id}`

Replace `{id}` with the ID of the payment method you're updating.

**Content-Type:** `application/json`

## Payload Structure

Use the following sample payload to update the postal code, billing address, and other fields:

```json
{
  "billing_details": {
    "address": {
      "line1": "123 New Street",
      "line2": "Suite 400",
      "city": "Houston",
      "state": "TX",
      "postal_code": "77002",
      "country": "US"
    },
    "email": "customer@example.com",
    "name": "Jane Doe",
    "phone": "555-123-4567"
  },
  "card": {
    "exp_month": "12",
    "exp_year": "2026"
  }
}
```

Only include the fields you want to update — partial updates are supported.

## Response

A successful update returns a `200` with the updated payment method object in JSON format. For example:

```json
{
  "id": "pm_1234567890",
  "entity": "payment_method",
  "created_at": "2024-01-15T10:30:00Z",
  "updated_at": "2024-01-15T14:45:00Z",
  "billing_details": {
    "address": {
      "line1": "123 New Street",
      "line2": "Suite 400",
      "city": "Houston",
      "state": "TX",
      "postal_code": "77002",
      "country": "US"
    },
    "email": "customer@example.com",
    "name": "Jane Doe",
    "phone": "555-123-4567"
  },
  "card": {
    "exp_month": "12",
    "exp_year": "2026"
  }
}
```

## Example Use Cases

Here are common scenarios where you might need to update payment method information:

| Scenario                                  | Fields to Update                            |
|-------------------------------------------|--------------------------------------------|
| Customer entered wrong ZIP code           | `billing_details.address.postal_code`      |
| Billing address changed                    | `billing_details.address`                   |
| Card expiration date needs refresh         | `card.exp_month`, `card.exp_year`          |

## Tips

- You do not need to include all fields — only what’s changing.
- Make sure the `id` in the URL matches the payment method you want to update.