# List available payment methods

Source: https://business-api-docs.youhodler.com/docs/api/reference/payment-methods/available-payment-methods-list

Returns account-scoped deposit setup availability projected onto payment methods. Items in this response reflect the same runtime-availability verdict that funding-endpoint provisioning evaluates, so callers may rely on them as a setup-readiness signal. For the global reference catalog (which is NOT a setup guarantee), use `/payment-methods`.

## Request

**Request URL — GET**
```http
GET /available-payment-methods
```

## Responses

**200 Operation succeeded**

Operation succeeded.

```json
{
  "items": [
    {
      "active": true,
      "code": "sepa_credit_transfer",
      "currencies": [
        "EUR"
      ],
      "display_name": "SEPA",
      "id": "b8e2f1a0-4c3d-4e5f-9a1b-2c3d4e5f6a7b",
      "rail": "sepa_credit_transfer"
    }
  ],
  "next_page_token": null
}
```

**400 Invalid request payload**

Invalid request payload, query, or parameter shape.

```json
{
  "code": "invalid_request",
  "message": "Missing required field: account_ref"
}
```

**401 Caller is not authenticated or the bearer token is invalid**

Caller is not authenticated or the bearer token is invalid.

```json
{
  "code": "unauthorized",
  "message": "Missing or invalid Authorization header"
}
```

**403 Caller lacks the required capability or permitted scope**

Caller lacks the required capability or permitted scope.

```json
{
  "code": "forbidden_capability_scope",
  "message": "account_ref requires a bound operating scope on this endpoint"
}
```

**429 Request rate limit exceeded**

Request rate limit exceeded. Retry after the delay indicated in the `details.retry_after_ms` field.

```json
{
  "code": "rate_limited",
  "details": {
    "retry_after_ms": 5000
  },
  "message": "Too many requests."
}
```

**502 Upstream service returned an unexpected error**

Upstream service returned an unexpected error.

```json
{
  "code": "upstream_error",
  "message": "An upstream service returned an unexpected error."
}
```

**503 Service is temporarily unavailable**

Service is temporarily unavailable; retry with backoff.

```json
{
  "code": "temporarily_unavailable",
  "details": {
    "reason": "service_temporarily_unavailable"
  },
  "message": "Service is temporarily unavailable."
}
```