---
title: "Creating a Payment with a European Card on File"
source_url: https://docs.rapyd.net/en/creating-a-payment-with-a-european-card-on-file.html
lang: en
---

# Creating a Payment with a European Card on File

Create a payment with a customer's stored card payment information.

> **Note:**
>
> This procedure is relevant to European **card** payment method types.

Prerequisites

- The ID of a card on file. See [Saving a European Card While Creating a Payment](https://docs.rapyd.net/en/saving-a-european-card-while-creating-a-payment.md "Saving a European Card While Creating a Payment").

### How

Create a payment as described in [Create Payment](https://docs.rapyd.net/en/create-payment.md "Create Payment"), with the following settings:

- `payment_method` - The ID of the card on file, a string starting with **card_**.
- `initiation_type` - Set the initiation type based on the recurrence type you set when you saved the card.

  | Recurrence Type | Initiation Type |
  | --- | --- |
  | installment | installment |
  | recurring | recurring |
  | unscheduled | customer_present, unscheduled |

Create Payment request - partial

```json
{
    "payment_method": "card_e1571fbb1822d5a3dae219545e33d489",
    "initiation_type": "installment",

//         . . .

}
```