# contractorOps.payments.add

Add a complete saved payment method for a contractor without changing their default. Bank and Wise email methods can be saved together. Details are encrypted, responses and history are masked, and repeated identical methods are kept once. Select a saved method with contractorOps.payments.select.

`POST /api/v1/accounting/contractorOps.payments.add`

Permissions: `accounting:read`, `accounting:write`, `accounting:admin` · Roles: admin · Idempotency key required

MCP tool: `accounting_contractor_ops_payments_add`

## Fields

| Field | Type | Required | Notes |
| --- | --- | --- | --- |
| `contractorId` | string (ID) | Yes | The ID of a contractor, from contractors.list. |
| `idempotencyKey` | string | Yes | Any unique text you generate once per intended change, so a retried request only happens once. Send it as the Idempotency-Key header instead if you prefer; if you send both they must match. 8–200 characters. |
| `method` | enum | Yes | One of: `wise_email`, `bank_transfer`, `interac`, `other`. |
| `currency` | string | Yes | Three-letter currency code, such as CAD or USD. |
| `details` | object | Yes | No other fields. |
| `details.wiseEmail` | string (email) or null |  |  |
| `details.wiseLink` | string or null |  |  |
| `details.accountHolderName` | string or null |  |  |
| `details.bankName` | string or null |  |  |
| `details.bankAddress` | string or null |  |  |
| `details.accountNumber` | string or null |  |  |
| `details.swiftBic` | string or null |  |  |
| `details.iban` | string or null |  |  |
| `details.institutionNumber` | string or null |  |  |
| `details.transitNumber` | string or null |  |  |
| `details.routingNumber` | string or null |  |  |
| `details.accountType` | enum or null |  | One of: `checking`, `savings`. |
| `details.country` | string or null |  |  |
| `details.interacEmail` | string (email) or null |  |  |
| `details.otherInstructions` | string or null |  |  |

## Example request

```bash
curl https://app.getoatmilk.com/api/v1/accounting/contractorOps.payments.add \
  -H "Authorization: Bearer $OATMILK_API_KEY" \
  -H "Content-Type: application/json" \
  -H "Idempotency-Key: $(uuidgen)" \
  -d '{
  "contractorId": "4d5e6f7a-8b9c-4d0e-8f1a-2b3c4d5e6f7a",
  "method": "wise_email",
  "currency": "CAD",
  "details": {}
}'
```

Reference page: https://app.getoatmilk.com/docs/api/contractorOps.payments.add