diff --git a/config/development.toml b/config/development.toml
index 4db925ae82..24645bf46a 100644
--- a/config/development.toml
+++ b/config/development.toml
@@ -319,4 +319,4 @@ card.credit = {connector_list = "stripe,adyen,authorizedotnet,globalpay,worldpay
 card.debit = {connector_list = "stripe,adyen,authorizedotnet,globalpay,worldpay,multisafepay,nmi,nexinets,noon"}
 
 [connector_request_reference_id_config]
-merchant_ids_send_payment_id_as_connector_request_id = []
+merchant_ids_send_payment_id_as_connector_request_id = []
\ No newline at end of file
diff --git a/crates/router/src/compatibility/stripe/customers.rs b/crates/router/src/compatibility/stripe/customers.rs
index 1de62b6fe3..0f90b1b001 100644
--- a/crates/router/src/compatibility/stripe/customers.rs
+++ b/crates/router/src/compatibility/stripe/customers.rs
@@ -170,8 +170,8 @@ pub async fn list_customer_payment_method_api(
     path: web::Path<String>,
     json_payload: web::Query<payment_methods::PaymentMethodListRequest>,
 ) -> HttpResponse {
-    let customer_id = path.into_inner();
     let payload = json_payload.into_inner();
+    let customer_id = path.into_inner();
     let flow = Flow::CustomerPaymentMethodsList;
 
     wrap::compatibility_api_wrap::<
@@ -189,12 +189,12 @@ pub async fn list_customer_payment_method_api(
         &req,
         payload,
         |state, auth, req| {
-            cards::list_customer_payment_method(
+            cards::do_list_customer_pm_fetch_customer_if_not_passed(
                 state,
                 auth.merchant_account,
                 auth.key_store,
-                req,
-                &customer_id,
+                Some(req),
+                Some(customer_id.as_str()),
             )
         },
         &auth::ApiKeyAuth,
diff --git a/crates/router/src/core/payment_methods/cards.rs b/crates/router/src/core/payment_methods/cards.rs
index eb1b97aca5..14d699eb06 100644
--- a/crates/router/src/core/payment_methods/cards.rs
+++ b/crates/router/src/core/payment_methods/cards.rs
@@ -1499,15 +1499,47 @@ async fn filter_payment_mandate_based(
     Ok(recurring_filter)
 }
 
+pub async fn do_list_customer_pm_fetch_customer_if_not_passed(
+    state: &routes::AppState,
+    merchant_account: domain::MerchantAccount,
+    key_store: domain::MerchantKeyStore,
+    req: Option<api::PaymentMethodListRequest>,
+    customer_id: Option<&str>,
+) -> errors::RouterResponse<api::CustomerPaymentMethodsListResponse> {
+    let db = &*state.store;
+    if let Some(customer_id) = customer_id {
+        list_customer_payment_method(state, merchant_account, key_store, None, customer_id).await
+    } else {
+        let cloned_secret = req.and_then(|r| r.client_secret.as_ref().cloned());
+        let payment_intent = helpers::verify_payment_intent_time_and_client_secret(
+            db,
+            &merchant_account,
+            cloned_secret,
+        )
+        .await?;
+        let customer_id = payment_intent
+            .as_ref()
+            .and_then(|intent| intent.customer_id.to_owned())
+            .ok_or(errors::ApiErrorResponse::CustomerNotFound)?;
+        list_customer_payment_method(
+            state,
+            merchant_account,
+            key_store,
+            payment_intent,
+            &customer_id,
+        )
+        .await
+    }
+}
+
 pub async fn list_customer_payment_method(
     state: &routes::AppState,
     merchant_account: domain::MerchantAccount,
     key_store: domain::MerchantKeyStore,
-    req: api::PaymentMethodListRequest,
+    payment_intent: Option<storage::PaymentIntent>,
     customer_id: &str,
 ) -> errors::RouterResponse<api::CustomerPaymentMethodsListResponse> {
     let db = &*state.store;
-
     db.find_customer_by_customer_id_merchant_id(
         customer_id,
         &merchant_account.merchant_id,
@@ -1556,15 +1588,10 @@ pub async fn list_customer_payment_method(
             parent_payment_method_token, pma.payment_method
         );
 
-        let payment_intent = helpers::verify_payment_intent_time_and_client_secret(
-            db,
-            &merchant_account,
-            req.client_secret.clone(),
-        )
-        .await?;
         let current_datetime_utc = common_utils::date_time::now();
         let time_eslapsed = current_datetime_utc
             - payment_intent
+                .as_ref()
                 .map(|intent| intent.created_at)
                 .unwrap_or_else(|| current_datetime_utc);
         redis_conn
diff --git a/crates/router/src/openapi.rs b/crates/router/src/openapi.rs
index 5e1e565b50..b1a99fcbe1 100644
--- a/crates/router/src/openapi.rs
+++ b/crates/router/src/openapi.rs
@@ -90,6 +90,7 @@ Never share your secret api keys. Keep them guarded and secure.
         crate::routes::payment_methods::create_payment_method_api,
         crate::routes::payment_methods::list_payment_method_api,
         crate::routes::payment_methods::list_customer_payment_method_api,
+        crate::routes::payment_methods::list_customer_payment_method_api_client,
         crate::routes::payment_methods::payment_method_retrieve_api,
         crate::routes::payment_methods::payment_method_update_api,
         crate::routes::payment_methods::payment_method_delete_api,
diff --git a/crates/router/src/routes/app.rs b/crates/router/src/routes/app.rs
index 34446d4674..63295353fc 100644
--- a/crates/router/src/routes/app.rs
+++ b/crates/router/src/routes/app.rs
@@ -222,14 +222,18 @@ impl Customers {
             route = route
                 .service(web::resource("").route(web::post().to(customers_create)))
                 .service(
-                    web::resource("/{customer_id}")
-                        .route(web::get().to(customers_retrieve))
-                        .route(web::post().to(customers_update))
-                        .route(web::delete().to(customers_delete)),
+                    web::resource("/payment_methods")
+                        .route(web::get().to(list_customer_payment_method_api_client)),
                 )
                 .service(
                     web::resource("/{customer_id}/payment_methods")
                         .route(web::get().to(list_customer_payment_method_api)),
+                )
+                .service(
+                    web::resource("/{customer_id}")
+                        .route(web::get().to(customers_retrieve))
+                        .route(web::post().to(customers_update))
+                        .route(web::delete().to(customers_delete)),
                 );
         }
         route
diff --git a/crates/router/src/routes/payment_methods.rs b/crates/router/src/routes/payment_methods.rs
index b1b10eb7bf..0e6f5c0e24 100644
--- a/crates/router/src/routes/payment_methods.rs
+++ b/crates/router/src/routes/payment_methods.rs
@@ -98,7 +98,7 @@ pub async fn list_payment_method_api(
 /// To filter and list the applicable payment methods for a particular Customer ID
 #[utoipa::path(
     get,
-    path = "/customer/{customer_id}/payment_methods",
+    path = "/customers/{customer_id}/payment_methods",
     params (
         ("customer_id" = String, Path, description = "The unique identifier for the customer account"),
         ("accepted_country" = Vec<String>, Query, description = "The two-letter ISO currency code"),
@@ -115,39 +115,93 @@ pub async fn list_payment_method_api(
     ),
     tag = "Payment Methods",
     operation_id = "List all Payment Methods for a Customer",
-    security(("api_key" = []), ("ephemeral_key" = []))
+    security(("api_key" = []))
 )]
 #[instrument(skip_all, fields(flow = ?Flow::CustomerPaymentMethodsList))]
 pub async fn list_customer_payment_method_api(
     state: web::Data<AppState>,
     customer_id: web::Path<(String,)>,
     req: HttpRequest,
-    json_payload: web::Query<payment_methods::PaymentMethodListRequest>,
+    query_payload: web::Query<payment_methods::PaymentMethodListRequest>,
 ) -> HttpResponse {
     let flow = Flow::CustomerPaymentMethodsList;
-    let customer_id = customer_id.into_inner().0;
-
-    let auth_type = match auth::is_ephemeral_auth(req.headers(), &*state.store, &customer_id).await
-    {
-        Ok(auth_type) => auth_type,
-        Err(err) => return api::log_and_return_error_response(err),
+    let payload = query_payload.into_inner();
+    let (auth, _) = match auth::check_client_secret_and_get_auth(req.headers(), &payload) {
+        Ok((auth, _auth_flow)) => (auth, _auth_flow),
+        Err(e) => return api::log_and_return_error_response(e),
     };
-
+    let customer_id = customer_id.into_inner().0;
     api::server_wrap(
         flow,
         state.get_ref(),
         &req,
-        json_payload.into_inner(),
+        payload,
         |state, auth, req| {
-            cards::list_customer_payment_method(
+            cards::do_list_customer_pm_fetch_customer_if_not_passed(
                 state,
                 auth.merchant_account,
                 auth.key_store,
-                req,
-                &customer_id,
+                Some(req),
+                Some(&customer_id),
             )
         },
-        &*auth_type,
+        &*auth,
+    )
+    .await
+}
+
+/// List payment methods for a Customer
+///
+/// To filter and list the applicable payment methods for a particular Customer ID
+#[utoipa::path(
+    get,
+    path = "/customers/payment_methods",
+    params (
+        ("client-secret" = String, Path, description = "A secret known only to your application and the authorization server"),
+        ("customer_id" = String, Path, description = "The unique identifier for the customer account"),
+        ("accepted_country" = Vec<String>, Query, description = "The two-letter ISO currency code"),
+        ("accepted_currency" = Vec<Currency>, Path, description = "The three-letter ISO currency code"),
+        ("minimum_amount" = i64, Query, description = "The minimum amount accepted for processing by the particular payment method."),
+        ("maximum_amount" = i64, Query, description = "The maximum amount amount accepted for processing by the particular payment method."),
+        ("recurring_payment_enabled" = bool, Query, description = "Indicates whether the payment method is eligible for recurring payments"),
+        ("installment_payment_enabled" = bool, Query, description = "Indicates whether the payment method is eligible for installment payments"),
+    ),
+    responses(
+        (status = 200, description = "Payment Methods retrieved for customer tied to its respective client-secret passed in the param", body = CustomerPaymentMethodsListResponse),
+        (status = 400, description = "Invalid Data"),
+        (status = 404, description = "Payment Methods does not exist in records")
+    ),
+    tag = "Payment Methods",
+    operation_id = "List all Payment Methods for a Customer",
+    security(("publishable_key" = []))
+)]
+#[instrument(skip_all, fields(flow = ?Flow::CustomerPaymentMethodsList))]
+pub async fn list_customer_payment_method_api_client(
+    state: web::Data<AppState>,
+    req: HttpRequest,
+    query_payload: web::Query<payment_methods::PaymentMethodListRequest>,
+) -> HttpResponse {
+    let flow = Flow::CustomerPaymentMethodsList;
+    let payload = query_payload.into_inner();
+    let (auth, _) = match auth::check_client_secret_and_get_auth(req.headers(), &payload) {
+        Ok((auth, _auth_flow)) => (auth, _auth_flow),
+        Err(e) => return api::log_and_return_error_response(e),
+    };
+    api::server_wrap(
+        flow,
+        state.get_ref(),
+        &req,
+        payload,
+        |state, auth, req| {
+            cards::do_list_customer_pm_fetch_customer_if_not_passed(
+                state,
+                auth.merchant_account,
+                auth.key_store,
+                Some(req),
+                None,
+            )
+        },
+        &*auth,
     )
     .await
 }
diff --git a/crates/router/src/services/authentication.rs b/crates/router/src/services/authentication.rs
index c7aa5135af..352bb16cc3 100644
--- a/crates/router/src/services/authentication.rs
+++ b/crates/router/src/services/authentication.rs
@@ -422,7 +422,6 @@ where
         }
         .into());
     }
-
     Ok((Box::new(ApiKeyAuth), api::AuthFlow::Merchant))
 }
 
diff --git a/openapi/openapi_spec.json b/openapi/openapi_spec.json
index 3a5acf82b6..6b172aa7fa 100644
--- a/openapi/openapi_spec.json
+++ b/openapi/openapi_spec.json
@@ -129,7 +129,47 @@
         ]
       }
     },
-    "/customer/{customer_id}/payment_methods": {
+    "/customers": {
+      "post": {
+        "tags": [
+          "Customers"
+        ],
+        "summary": "Create Customer",
+        "description": "Create Customer\n\nCreate a customer object and store the customer details to be reused for future payments. Incase the customer already exists in the system, this API will respond with the customer details.",
+        "operationId": "Create a Customer",
+        "requestBody": {
+          "content": {
+            "application/json": {
+              "schema": {
+                "$ref": "#/components/schemas/CustomerRequest"
+              }
+            }
+          },
+          "required": true
+        },
+        "responses": {
+          "200": {
+            "description": "Customer Created",
+            "content": {
+              "application/json": {
+                "schema": {
+                  "$ref": "#/components/schemas/CustomerResponse"
+                }
+              }
+            }
+          },
+          "400": {
+            "description": "Invalid data"
+          }
+        },
+        "security": [
+          {
+            "api_key": []
+          }
+        ]
+      }
+    },
+    "/customers/payment_methods": {
       "get": {
         "tags": [
           "Payment Methods"
@@ -138,6 +178,15 @@
         "description": "List payment methods for a Customer\n\nTo filter and list the applicable payment methods for a particular Customer ID",
         "operationId": "List all Payment Methods for a Customer",
         "parameters": [
+          {
+            "name": "client-secret",
+            "in": "path",
+            "description": "A secret known only to your application and the authorization server",
+            "required": true,
+            "schema": {
+              "type": "string"
+            }
+          },
           {
             "name": "customer_id",
             "in": "path",
@@ -212,7 +261,7 @@
         ],
         "responses": {
           "200": {
-            "description": "Payment Methods retrieved",
+            "description": "Payment Methods retrieved for customer tied to its respective client-secret passed in the param",
             "content": {
               "application/json": {
                 "schema": {
@@ -230,50 +279,7 @@
         },
         "security": [
           {
-            "api_key": []
-          },
-          {
-            "ephemeral_key": []
-          }
-        ]
-      }
-    },
-    "/customers": {
-      "post": {
-        "tags": [
-          "Customers"
-        ],
-        "summary": "Create Customer",
-        "description": "Create Customer\n\nCreate a customer object and store the customer details to be reused for future payments. Incase the customer already exists in the system, this API will respond with the customer details.",
-        "operationId": "Create a Customer",
-        "requestBody": {
-          "content": {
-            "application/json": {
-              "schema": {
-                "$ref": "#/components/schemas/CustomerRequest"
-              }
-            }
-          },
-          "required": true
-        },
-        "responses": {
-          "200": {
-            "description": "Customer Created",
-            "content": {
-              "application/json": {
-                "schema": {
-                  "$ref": "#/components/schemas/CustomerResponse"
-                }
-              }
-            }
-          },
-          "400": {
-            "description": "Invalid data"
-          }
-        },
-        "security": [
-          {
-            "api_key": []
+            "publishable_key": []
           }
         ]
       }
@@ -410,6 +416,112 @@
         ]
       }
     },
+    "/customers/{customer_id}/payment_methods": {
+      "get": {
+        "tags": [
+          "Payment Methods"
+        ],
+        "summary": "List payment methods for a Customer",
+        "description": "List payment methods for a Customer\n\nTo filter and list the applicable payment methods for a particular Customer ID",
+        "operationId": "List all Payment Methods for a Customer",
+        "parameters": [
+          {
+            "name": "customer_id",
+            "in": "path",
+            "description": "The unique identifier for the customer account",
+            "required": true,
+            "schema": {
+              "type": "string"
+            }
+          },
+          {
+            "name": "accepted_country",
+            "in": "query",
+            "description": "The two-letter ISO currency code",
+            "required": true,
+            "schema": {
+              "type": "array",
+              "items": {
+                "type": "string"
+              }
+            }
+          },
+          {
+            "name": "accepted_currency",
+            "in": "path",
+            "description": "The three-letter ISO currency code",
+            "required": true,
+            "schema": {
+              "type": "array",
+              "items": {
+                "$ref": "#/components/schemas/Currency"
+              }
+            }
+          },
+          {
+            "name": "minimum_amount",
+            "in": "query",
+            "description": "The minimum amount accepted for processing by the particular payment method.",
+            "required": true,
+            "schema": {
+              "type": "integer",
+              "format": "int64"
+            }
+          },
+          {
+            "name": "maximum_amount",
+            "in": "query",
+            "description": "The maximum amount amount accepted for processing by the particular payment method.",
+            "required": true,
+            "schema": {
+              "type": "integer",
+              "format": "int64"
+            }
+          },
+          {
+            "name": "recurring_payment_enabled",
+            "in": "query",
+            "description": "Indicates whether the payment method is eligible for recurring payments",
+            "required": true,
+            "schema": {
+              "type": "boolean"
+            }
+          },
+          {
+            "name": "installment_payment_enabled",
+            "in": "query",
+            "description": "Indicates whether the payment method is eligible for installment payments",
+            "required": true,
+            "schema": {
+              "type": "boolean"
+            }
+          }
+        ],
+        "responses": {
+          "200": {
+            "description": "Payment Methods retrieved",
+            "content": {
+              "application/json": {
+                "schema": {
+                  "$ref": "#/components/schemas/CustomerPaymentMethodsListResponse"
+                }
+              }
+            }
+          },
+          "400": {
+            "description": "Invalid Data"
+          },
+          "404": {
+            "description": "Payment Methods does not exist in records"
+          }
+        },
+        "security": [
+          {
+            "api_key": []
+          }
+        ]
+      }
+    },
     "/disputes/list": {
       "get": {
         "tags": [