Pay and Save

Payment Sessions allow you to collect a payment and save the customer’s payment method in a single checkout flow.
This pattern is useful when you want to charge the customer immediately and enable faster future payments without asking them to re-enter their payment details.

Example usage

• First-time checkout: Charge the customer and save their card for faster repeat purchases.

• Subscription onboarding: Collect the first payment and store the payment method for recurring billing.

• Postpaid services: Charge a deposit and retain the payment method for future usage-based charges.

How to integrate

Refer to the Xendit Components integration guide for the implementation.

Below is the guideline for the Payment Session request for a pay and save flow. During checkout, or whenever your customer is ready to make a one-time purchase, your system should create a Payment Session with Xendit with:

• session_type = PAY

• mode = COMPONENTS

• allow_save_payment_method set according to your UX preference. allow_save_payment_method options

  Value	Behavior
  DISABLED	Payment method will not be saved
  OPTIONAL	Customer can choose whether to save
  FORCED	Payment method is saved automatically

  For Pay and Save, use OPTIONAL or FORCED.

Request - POST /sessions

{
    "reference_id": "{{$YOUR_REFERENCE_ID}}",
    "session_type": "PAY",
    "mode": "COMPONENTS",
    "amount": 150000,
    "currency": "IDR",
    "country": "ID",
    "allow_save_payment_method": "FORCED",
    "customer": {
        "reference_id": "{{$randomUUID}}",
        "type": "INDIVIDUAL",
        "email": "customer@yourdomain.com",
        "mobile_number": "+628123456789",
        "individual_detail": {
            "given_names": "John",
            "surname": "Doe"
        }
    },
    "components_configuration": {
        "origins": ["https://example.com"]
    }
}

{
    "payment_session_id": "ps-6964954bc951f34f173f7f7d",
    "created": "2026-01-12T06:31:39.574Z",
    "updated": "2026-01-12T06:31:39.574Z",
    "status": "ACTIVE",
    "reference_id": "{{$YOUR_REFERENCE_ID}}",
    "currency": "IDR",
    "amount": 150000,
    "country": "ID",
    "expires_at": "2026-01-12T07:01:39.165Z",
    "session_type": "PAY",
    "mode": "COMPONENTS",
    "locale": "en",
    "business_id": "62440e322008e87fb29c1fd0",
    "customer_id": "cust-e46eae53-b048-4490-a31b-ddf8b43c32ea",
    "capture_method": "AUTOMATIC",
    "allow_save_payment_method": "FORCED",
    "components_sdk_key": "session-eb5f80aa2ba4f5c702bc7eb9bae50000-pl-MHYwEAYHKoZIzj0CAQYFK4EEACIDYgAEFtDH9rtiTAPll6tyCegd59FTL2zKAgLGqf95IcT8OCWxgfsxVV/DmukWMapKyO7vbfOu9wSGD+a9Gma+/mWFrLNAA/3xZ07pA5It5VDIYUeVHBznahLtFyEKV9RfnNsM-SOiKxnKb4uWOdQdR1X56FJ131i9CXPZKGwOqf5d4HkhliaxCNIlJHVO/TnIsne5zQiwwdRUTBx7CcYhJkDh+7Obs48zCFw1WlTIHasPxV6eVgUMhDzc9lwOfNVL44/p/",
    "components_configuration": {
        "origins": ["https://example.com"]
    }
}