---
title: "Pay and Save"
slug: "pay-and-save-3"
updated: 2026-01-19T03:58:54Z
published: 2026-01-19T03:58:54Z
---

> ## Documentation Index
> Fetch the complete documentation index at: https://docs.xendit.co/llms.txt
> Use this file to discover all available pages before exploring further.

# 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](https://docs.xendit.co/docs/components-overview) 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`

```json
{
    "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"]
    }
}
```

**Response -**`POST /sessions`

```json
{
    "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"]
    }
}
```

You can refer to the [Xendit Components client-side documentation](https://docs.xendit.co/docs/components-overview#clientside-responsibilities) for client-app integration using the returned `components_sdk_key`.

Upon successful payment, Xendit will send a `payment_session.completed,` wehbook contains`payment_token_id` which you should securely store for future use. **Optionally**, you can handle `payment.capture` and `payment_token.activated` webhook to your system to see the payment or token details.

You should use these webhooks to update the order status in your system and use the `payment_token_id` for:

- **Future one-off payments**: Refer to the [Pay with Tokens](https://docs.xendit.co/docs/pay-with-tokens) guide
- **Subscription transactions**: Refer to the guides on [Fixed Amount Subscriptions](https://docs.xendit.co/docs/fixed-amount-subscriptions) or [Usage-Based Subscriptions](https://docs.xendit.co/docs/usage-based-subscriptions).