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The Payments API enables you to retrieve payment method information for an account, including the account's wallet balance.
In general, you will not use this API to retrieve payment methods in the context of a transaction (e.g. an account's PayPal or credit card information). Instead, you will direct your user to the Tilia web UI in the context of a purchase flow, which allows the user to select their desired payment method, returning the necessary payment details to you for use in setting up the transaction.