# Payment Instruments

A `Payment Instrument` resource represents the payment details of a credit card or bank account. Payment details get tokenized multiple times and each tokenization produces a unique `Payment Instrument`.  <br/><br/> A `Payment Instrument` is associated with a single [`Identity`](#Identities). Once a `Payment Instrument` is created, the `Identity` it's associated with can't be changed. <br/><br/> Including an address when creating a `Payment Instrument` can lower interchange on credit card transactions. <br/><br/> Related Guides: [Using Hosted Fields](/guides/online-payments/payment-tokenization/tokenization-forms), [Getting Started](/guides/getting-started)


## Create a Payment Instrument

 - [POST /payment_instruments](https://docs.finix.com/api/payment-instruments/createpaymentinstrument.md): Create a  resource using a card or bank account.

- The creation of  directly via Finix's API should only be done for testing purposes. You must use our hosted fields or the javascript client to remain out of PCI scope.

## List Payment Instruments

 - [GET /payment_instruments](https://docs.finix.com/api/payment-instruments/listpaymentinstruments.md): Retrieve a list of . 

For details on how to query endpoints using the available parameters, see Query Parameters.

## Fetch a Payment Instrument

 - [GET /payment_instruments/{payment_instrument_id}](https://docs.finix.com/api/payment-instruments/getpaymentinstrument.md): Retrieve the details of a .

## Update a Payment Instrument

 - [PUT /payment_instruments/{payment_instrument_id}](https://docs.finix.com/api/payment-instruments/updatepaymentinstrument.md): Update a  to:
- Change the  in case the account holder moved (: only).
- Disable the  resource so it can't be used in requests.
- Update the  on the .
- Change the .
- Enable or disable .
- Enable or disable .

## List Instrument History Entries

 - [GET /payment_instruments/{payment_instrument_id}/instrument_history](https://docs.finix.com/api/payment-instruments/listinstrumenthistoryentries.md): Whenever a stored payment card's details are updated, an  is created. Use this endpoint to retrieve a list of  for a specific .


## Verify a Payment Instrument

 - [PUT /payment_instruments/{payment_instrument_id_verify}](https://docs.finix.com/api/payment-instruments/createpaymentinstrumentverification.md): Verify a  to determine CVV and AVS results.

You can also determine Push To Card eligibility for Push To Card customers.

## Create an Apple Pay Session

 - [POST /apple_pay_sessions](https://docs.finix.com/api/payment-instruments/createapplepaysession.md): Create an  to process Apple Pay transactions on the web.

To create an Apple Pay Session, pass the unique  (provided by Apple) while creating an  resource. Finix returns a  object that you can use to create a payment. For more information, see Apple Pay.