enum PaymentInstrument
What moved the money, as distinct from the provider that processed it. A provider offers more than one: a CLP payment is a card or an ACH debit depending on what the shopper chose.
The bank rails name their direction, because one rail both collects and pays
out. A debit pulls from the customer's account, which is every payment the
platform takes today; a credit pushes to it. AchCredit is an ACH credit
entry and has nothing to do with a credit card — how a card is funded is
PaymentMethodCard.funding. Cards carry no direction here because pushing to
one is a different scheme operation, not the same charge reversed.
Distinct from Payment.paymentMethod, which is the stored instrument a
payment was charged against and exists only for payments taken from a method
on file. This is recorded for every payment.
Card— A credit or debit card.AchDebit— A bank account pulled from over ACH.AchCredit— A bank account pushed to over ACH — money paid out rather than collected. Reserved: no flow issues one yet.PlaidDebit— A bank account pulled from through Plaid.PlaidCredit— A bank account pushed to through Plaid — money paid out rather than collected.FlexPay— Consumer financing through FlexPay. The charge reaches the processor as an ordinary card payment on a FlexPay-issued virtual card, so the checkout flow declares it; the card's issuer range only identifies one presented to direct card checkout.