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

# Get the default payment method

> Returns the default card on file for the organization (brand, last four digits, and expiry) so the billing settings screen can show which payment method future charges use. Returns an empty object when no payment method is on file or the billing provider is temporarily unavailable. Read-only.



## OpenAPI

````yaml /openapi.yaml get /api/v1/billing/payment-method
openapi: 3.1.0
info:
  title: Devotel CPaaS API
  description: Orbit by Devotel — Communications Platform as a Service API
  version: 1.0.0
  contact:
    name: Devotel
    url: https://devotel.io
    email: support@devotel.io
  license:
    name: Proprietary
servers:
  - url: https://api.orbit.devotel.io
    description: Production
security:
  - Bearer: []
  - ApiKey: []
tags:
  - name: Messages
    description: >-
      Send and manage messages across all channels (SMS, WhatsApp, RCS, Email,
      Viber, etc.)
  - name: Fax
    description: >-
      List and track fax (MMS/T.38) transmissions on Telnyx-backed fax numbers
      (sending flows through the Messaging API)
  - name: Agents
    description: AI agent creation, configuration, and execution
  - name: Voice
    description: Voice calls, IVR, conferencing, and SIP trunking
  - name: OnCall
    description: On-call rotations and escalation policy planning for incident alerting
  - name: Webhooks
    description: Webhook endpoint management and delivery logs
  - name: Numbers
    description: Phone number search, provisioning, and configuration
  - name: Brand Identity
    description: >-
      Unified cross-channel brand trust posture (10DLC, toll-free, WhatsApp,
      RCS, branded calling, number KYC)
  - name: Contacts
    description: Contact management, segmentation, and lifecycle tracking
  - name: Campaigns
    description: Marketing campaign orchestration and analytics
  - name: Flows
    description: Automation flow builder and execution engine
  - name: Templates
    description: Message template management and approval workflows
  - name: Settings
    description: Organization, channel, and user preference settings
  - name: Verify
    description: OTP generation and verification across channels
  - name: Push
    description: Push notification delivery via FCM and APNs
  - name: Integrations
    description: Third-party service connections and OAuth management
  - name: CDP
    description: >-
      Customer Data Platform — activation surface (CRM object sync, streaming
      destinations, ad-audience activation)
  - name: Files
    description: >-
      Server-to-server media upload, listing, retrieval, and deletion
      (signed-URL backed)
  - name: Commerce
    description: >-
      Omnichannel conversational-commerce — persistent cart + checkout state
      machine, channel-agnostic hosted pay-by-link, native WhatsApp checkout,
      and AP2-style agent payment mandates.
  - name: Sync
    description: >-
      Real-time shared-state primitive (Twilio Sync parity) — Documents, Maps,
      Lists, and ephemeral Streams, with change events relayed over the
      /api/v1/ws/sync WebSocket gateway
  - name: Risk
    description: >-
      Unified cross-channel Trust & Fraud risk scoring — fuses SMS-pumping,
      URL-reputation, Verify Fraud Guard, and Voice Biometrics signals into one
      composite verdict queryable before a send or a call.
  - name: Orby
    description: >-
      In-dashboard Orby operator assistant: streamed assistant turns,
      conversation threads, product knowledge-base search, and the tool-action
      approval gate. Available to signed-in operators only (dashboard session
      auth — API-key requests are rejected).
paths:
  /api/v1/billing/payment-method:
    get:
      tags:
        - Billing
      summary: Get the default payment method
      description: >-
        Returns the default card on file for the organization (brand, last four
        digits, and expiry) so the billing settings screen can show which
        payment method future charges use. Returns an empty object when no
        payment method is on file or the billing provider is temporarily
        unavailable. Read-only.
      responses:
        '200':
          description: >-
            The organization's default payment method, or an empty object when
            none is on file.
          content:
            application/json:
              schema:
                type: object
                properties:
                  data:
                    type: object
                    additionalProperties: true
                    properties:
                      brand:
                        type: string
                        description: Card brand, e.g. visa or mastercard.
                      last4:
                        type: string
                        description: Last four digits of the card.
                      exp_month:
                        type: integer
                      exp_year:
                        type: integer
                  meta:
                    type: object
                    properties:
                      request_id:
                        type: string
                      timestamp:
                        type: string
                        format: date-time
              example:
                data:
                  brand: visa
                  last4: '4242'
                  exp_month: 11
                  exp_year: 2028
                meta:
                  request_id: req_01HZY8EXAMPLE
                  timestamp: '2026-08-02T12:00:00.000Z'
components:
  securitySchemes:
    Bearer:
      type: http
      scheme: bearer
      bearerFormat: JWT
      description: Dashboard JWT token from Clerk
    ApiKey:
      type: apiKey
      name: X-API-Key
      in: header
      description: Server-to-server API key (dv_live_sk_*)

````