> ## Documentation Index
> Fetch the complete documentation index at: https://docs.fusioncore.us/llms.txt
> Use this file to discover all available pages before exploring further.

# Paying with Wallet Items

> Use a saved payment method to pay for an Order in checkout, as a Staff user in Commerce or as a portal user in the Portal.

Once a contact has a saved Wallet Item, you can use it to pay for an Order without re-entering the payment details. Staff select a saved method on the Commerce Payment page; portal users select one on the Portal checkout page. Both draw from the same Commerce wallet.

## Paying with a Wallet Item as a Staff User

### Prerequisites

* The `FC Commerce - Access To Pay With Wallet Items` permission set is assigned to the staff user taking the payment.
* The contact has at least one active Wallet Item.

<Steps>
  <Step title="Choose Saved Payments">
    On the Payment page, select **Saved Payments** as the payment type.

    <Frame>
      <img src="https://mintcdn.com/fusionspan/PQhCyVfBbt1uWfmh/images/end-user-guides/4861722676/image-20250519-172820.png?fit=max&auto=format&n=PQhCyVfBbt1uWfmh&q=85&s=6363e17fcf795470da3844e6cf4a4521" alt="The Payment page with Saved Payments selected as the payment type" width="1890" height="838" data-path="images/end-user-guides/4861722676/image-20250519-172820.png" />
    </Frame>
  </Step>

  <Step title="Select a saved method and pay">
    Select one of the saved payment methods, then click **Pay**.

    <Frame>
      <img src="https://mintcdn.com/fusionspan/PQhCyVfBbt1uWfmh/images/end-user-guides/4861722676/image-20250519-172841.png?fit=max&auto=format&n=PQhCyVfBbt1uWfmh&q=85&s=a8321f1a1cae30591c7ab8e8deac74d7" alt="A saved payment method selected on the Payment page" width="1390" height="722" data-path="images/end-user-guides/4861722676/image-20250519-172841.png" />
    </Frame>
  </Step>
</Steps>

## Paying with a Wallet Item as a Portal User

### Prerequisites

* The `FC_Portal_My_Wallet` permission set is assigned to the portal user.
* The portal user has at least one active Wallet Item.

<Steps>
  <Step title="Choose a saved method at checkout">
    On the checkout page, choose **Saved Payment Methods** as your payment method and select the Wallet Item to pay with.

    <Frame>
      <img src="https://mintcdn.com/fusionspan/PQhCyVfBbt1uWfmh/images/end-user-guides/4861722676/image-20250519-174244.png?fit=max&auto=format&n=PQhCyVfBbt1uWfmh&q=85&s=13cd3a8122bd2a5aa0ac742902f42d85" alt="The Portal checkout page with Saved Payment Methods selected" width="1429" height="778" data-path="images/end-user-guides/4861722676/image-20250519-174244.png" />
    </Frame>
  </Step>

  <Step title="Check out">
    Click **Checkout** to complete the payment.
  </Step>
</Steps>

## Limitations and Common Pitfalls

* **Staff need the pay-with-wallet permission set.** Without `FC Commerce - Access To Pay With Wallet Items`, the **Saved Payments** option does not appear for a staff user.
* **An out-of-date method fails the charge.** If a saved card has expired or its details have changed at the provider, paying with it errors. Update the Wallet Item first — see [Editing Wallet Items](/end-user-guides/accounts/wallet-items/editing-wallet-items).
* **Removed methods cannot pay.** A removed Wallet Item is detached at the provider and no longer charges, even though its record still exists. Save a new method instead.