Delete a stored payment method

Prerequisites

A valid API key — see Obtain API credentials
An existing payment_token value

How soft-delete works

Reefpay uses soft-delete for payment tokens:

The token status changes from active to inactive.
The token record is retained for audit and transaction history.
Any future transaction that references the token will be rejected.
Existing completed transactions linked to the token are unaffected.

This action is irreversible

Once deleted, a token cannot be reactivated. To use the same payment method again, create a new token.

Step 1: Send the delete request

Send DELETE /v1/payment_tokens/{token}.

curl -X DELETE \
  https://api.dev.paradisegateway.net/v1/payment_tokens/PAYMENT_TOKEN-01KFDKXMQ637EKEAY410MSQSXB \
  -H "APIKEY: YOUR-API-KEY"

Step 2: Verify the response

A 200 response confirms the soft-delete. The returned token now has status: inactive.

{
  "payment_token": "PAYMENT_TOKEN-01KFDKXMQ637EKEAY410MSQSXB",
  "object": "payment_token",
  "type": "card",
  "status": "inactive",
  "customer_id": "CUSTOMER-01KFDKXMQ637EKEAY410MSQSXB",
  "is_default": false,
  "nickname": "My Business Visa",
  "card": {
    "brand": "visa",
    "last_four": "1111",
    "bin": "411111",
    "funding": "credit"
  },
  "correlation_id": "d4e5f6a7-b8c9-0123-def0-1234567890ab"
}

Key observations:

status is now inactive
is_default is automatically set to false

When to delete tokens

Scenario	Action
Customer requests removal of payment method	Delete the token
Card reported lost or stolen	Delete and create a new token with the replacement card
Compliance requirement (data minimization)	Delete tokens no longer needed
Card expired and will not be renewed	Delete the token

Default payment method behavior

If you delete a token that was the customer's default (is_default: true), no other token is automatically promoted to default. You should explicitly set a new default using Update stored payment method with is_default: true.

Next steps

Store a card for future use — create a replacement token
About stored payment methods