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

# Stored Payment Methods

### Overview

This payment vehicle, sometimes shortened to SPM, is used to save any of the Payment Methods to be charged at a later date. This vehicle is great for scenarios in which firms charge the same Client multiple times, for example on subscription legal services plans, payment plans, or auto-pay.

### Creation

There are two ways a stored payment method can be created.

* Collect the Payment Method information directly from a hosted Stored Payment Method link
* Save the payment method used on a different payment vehicle, such as <a href="https://docs.confidolegal.com/docs/payment-vehicles/payment-links">Payment Links</a>

### Declines

When a decline occurs on a charge towards a Stored Payment Method, the `status` of the SPM changes to `payment_failed` and the SPM will not allow more payments until the SPM is reactivated.

The ability to reactivate a SPM is based on the reason for the decline. For example, if the decline message is *Insufficient Funds*, the SPM can be reactivated using the `reactivateStoredPaymentMethod` mutation. You can determine if a SPM can be reactivated with the `canReactivate` property. You can also grab information about the decline to display to the firm with the `declineInfo` property. This can help the firm identify possible fixes before attempting to charge the SPM again.

One example of an SPM failing without being able to reactivate would be if the `declineInfo.declineMessage` was *Invalid account number*. This could occur if the client mistyped their account number when saving their ACH information. In this state, it may make sense to deactivate the SPM using the `deactivateStoredPaymentMethod` mutation.

***

For more details on Stored Payment Methods, see these knowledge articles

<ul>
  <li>
    <a href="https://confidolegal.com/knowledgebase/what-is-a-stored-payment-method">
      {' '}

      What is a Stored Payment Method?
    </a>

    {' '}
  </li>

  <li>
    <a href="https://confidolegal.com/knowledgebase/how-do-i-create-stored-payment-methods">
      {' '}

      Creating a Stored Payment Method
    </a>
  </li>
</ul>