---
title: Manage Payments Using Saved Wallet
url: amazon-pay-paymentmethodonfile-signinandsetup/manage-payments-using-payment-method-on-file.html
---

**[Step 4 of 8]** After the buyer has successfully completed setup of Saved Wallet, the <a href="checkout-session.html#complete-checkout-session" target="_blank" rel="noopener noreferrer">Complete Checkout Session</a> response will include a `ChargePermissionId` for a Saved Wallet Charge Permission object that you can use to charge the buyer for future purchases and manage cancellations.

At the end of this step, you will be able to charge the buyer and manage cancellations.

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### 1. Managing Charge Permission state

Before proceeding with <a href="https://developer.amazon.com/docs/amazon-pay-paymentmethodonfile/charge.html#create-charge" target="_blank" rel="noopener noreferrer">Create Charge</a>, call <a href="https://developer.amazon.com/docs/amazon-pay-paymentmethodonfile/charge-permission.html#get-charge-permission" target="_blank" rel="noopener noreferrer">Get Charge Permission</a> to confirm that the Charge Permission is in a Chargeable state. If not, follow the below steps to get a Chargeable Charge Permission

If the Charge Permission is NonChargeable with any of the following reasonCodes

1. PaymentMethodInvalid 
2. PaymentMethodDeleted 
3. BillingAddressDeleted 
4. PaymentMethodExpired 
5. PaymentMethodNotAllowed 
6. PaymentMethodNotSet
7. MFAFailed

<br>Then guide the buyer to change their payment method on Amazon Pay’s hosted Update page. For details on how to integrate this solution, please refer to <a href="https://developer.amazon.com/docs/amazon-pay-paymentmethodonfile/steps-to-integrate-with-amazon-pay-hosted-update-page.html" target="_blank" rel="noopener noreferrer">Steps to integrate with Amazon Pay’s hosted Update page</a>.
* If the Charge Permission is Closed due to any reason, then guide the buyer to go through Amazon Pay’s hosted Setup Only page to setup a new charge permission. For details on how to integrate with solution, please refer to Steps to integrate with <a href="https://developer.amazon.com/docs/amazon-pay-paymentmethodonfile-setupintent/get-set-up-for-integration.html" target="_blank" rel="noopener noreferrer">Amazon Pay’s Setup only flow</a>.

###  2. Managing charges and handling declines
Call Create Charge each time you need to charge the customer. Set `CaptureNow` to true to capture payment immediately. Set it to false to capture later. Note that Amazon Pay limits how much you can charge the buyer for each calendar month (see monthly Saved Wallet charge limits for more information).

If Create Charge returns a 201 response, the authorization was either successfully completed or successfully initiated depending on whether `canHandlePendingAuthorization` was set to true. If Create Charge returns a different HTTP status code, check the request response `reasonCode` to determine if you should retry Create Charge or ask your buyer to use a different payment method.

* If `reasonCode` is SoftDeclined or ProcessingFailure:
  * Call <a href="https://developer.amazon.com/docs/amazon-pay-paymentmethodonfile/charge-permission.html#get-charge-permission" target="_blank" rel="noopener noreferrer">Get Charge Permission</a> to confirm that the Charge Permission is in a Chargeable state
  * Call <a href="https://developer.amazon.com/docs/amazon-pay-paymentmethodonfile/charge.html#create-charge" target="_blank" rel="noopener noreferrer">Create Charge</a> to charge the buyer
* If `reasonCode` is HardDeclined, then ask the buyer to update their payment instrument on Amazon Pay’s hosted Update page. For details on how to integrate this solution, please refer to <a href="https://developer.amazon.com/docs/amazon-pay-paymentmethodonfile/steps-to-integrate-with-amazon-pay-hosted-update-page.html" target="_blank" rel="noopener noreferrer">Steps to integrate with Amazon Pay’s hosted Update page</a>. and then:
  * Call <a href="https://developer.amazon.com/docs/amazon-pay-paymentmethodonfile/charge-permission.html#get-charge-permission" target="_blank" rel="noopener noreferrer">Get Charge Permission</a> to confirm that the Charge Permission is in a Chargeable state
  * Call <a href="https://developer.amazon.com/docs/amazon-pay-paymentmethodonfile/charge.html#create-charge" target="_blank" rel="noopener noreferrer">Create Charge</a> to charge the buyer

###  3. Changing the Payment Method
#### Changing the payment method with Amazon's YAUI
Buyers can update their payment method on Saved Wallet from <a href="https://pay.amazon.com" target="_blank" rel="noopener noreferrer">https://pay.amazon.com</a> section of the Amazon Pay website. Any subsequent charges are processed using the updated payment method. The payment method associated with any previous charges are not updated. A direct link can also be provided to the buyer to allow easy updates of associated payment method using the following URL:  <a href="https://payments.amazon.com/jr/your-account/ba/{ChargePermissionId}" target="_blank" rel="noopener noreferrer">https://payments.amazon.com/jr/your-account/ba/{ChargePermissionId}</a>. Replace {ChargePermissionId} with the buyer's Charge Permission Id.

#### Changing the payment method or shipping address on Amazon Pay's hosted update page
You can also allow buyers to change payment method on Amazon Pay’s hosted Update page. For details on how to integrate this solution, please refer to <a href="../amazon-pay-paymentmethodonfile/steps-to-integrate-with-amazon-pay-hosted-update-page.md" target="_blank" rel="noopener noreferrer">Steps to integrate with Amazon Pay’s hosted Update page</a>.

### 4. Saved Wallet Expiration
Charge Permissions with a type of `paymentMethodOnFile` do not have a set expiration and will persist until closed.