# Show payment method

> How the account pays - payment type, masked IBAN for direct debit - and what needs doing about it.

- Effect: Read - Changes nothing.
- Idempotent: yes
- Stability: beta
- MCP tool: `manitu_account_payment_get` on https://mcp.manitu.de/mcp
- REST: `POST https://api.manitu.de/v1/account/payment/get`
- Needs: `account`
- Page: /reference/account/payment/get/

## MCP tool

`manitu_account_payment_get`

### Description for the model

Returns how the manitu customer account this connection works in pays its invoices: the payment type (invoice: bank transfer; sepa_directdebit: direct debit; invoice_after_chargeback: bank transfer, set by manitu after a direct debit was charged back), and for direct debit the masked IBAN and account owner, and whether the mandate is valid. notice_list lists what needs the customer's action, as codes: payment_method_required (a valid payment method has to be set), sepa_mandate_invalid. Use it when the customer asks how they pay or why a payment failed. It never returns a full IBAN. Refused if this access may not see the account's base data.

### Arguments

Takes no arguments.

### Example

```json
{
  "jsonrpc": "2.0",
  "id": 1,
  "method": "tools/call",
  "params": {
    "name": "manitu_account_payment_get",
    "arguments": {}
  }
}
```

## REST

`POST https://api.manitu.de/v1/account/payment/get`

### Authentication

One of `X-API-Key`, `Authorization: Bearer …` - never more than one in a request.

### Request body

JSON; unknown fields are refused.

No fields - send {} or no body.

### Response

In `data`; the rest of the body as on every call.

- `account_id` (integer, required)
- `payment_type` (string, required) - How invoices are paid, as manitu keeps it. (one of `"invoice"`, `"sepa_directdebit"`, `"invoice_after_chargeback"`)
- `sepa` (object | null, required) - For direct debit only, else null.
  - `sepa.iban_masked` (string | null, required)
  - `sepa.account_owner` (string | null, required)
  - `sepa.mandate_valid` (boolean, required)
- `notice_list` (array of object, required) - What needs doing, as codes - empty when all is well.
  - `notice_list[].code` (string, required) - (one of `"payment_method_required"`, `"sepa_mandate_invalid"`)
  - `notice_list[].action_required` (boolean, required)

### Statuses

- `200` Success.
- `400` The request does not match the declared input schema.
- `401` No credential was presented, or it was not recognised.
- `403` The credential is not permitted to use this operation.
- `500` The server failed. Nothing about the request was wrong. Whether a change took effect is not known - check before trying it again.
- `503` The channel this operation forwards through is unavailable.

### Example

```sh
curl -X POST 'https://api.manitu.de/v1/account/payment/get' \
  -H 'X-API-Key: $API_KEY' \
  -H 'Content-Type: application/json' \
  -d '{}'
```

## Example result

```json
{
  "account_id": 12345,
  "payment_type": "invoice",
  "sepa": {
    "iban_masked": "string",
    "account_owner": "string",
    "mandate_valid": true
  },
  "notice_list": [
    {
      "code": "payment_method_required",
      "action_required": true
    }
  ]
}
```