diff --git a/backend/internal/square/square.go b/backend/internal/square/square.go
index cab4266..4047447 100644
--- a/backend/internal/square/square.go
+++ b/backend/internal/square/square.go
@@ -40,6 +40,10 @@ func (p *ProdClient) CreateCardOnFile(ctx context.Context, userID, cardToken str
 	return nil, errors.New("square payments not yet configured — set SQUARE_ACCESS_TOKEN and SQUARE_LOCATION_ID in .env")
 }
 
+func (p *ProdClient) CreateCardOnFileRaw(ctx context.Context, userID, cardNumber string, expMonth, expYear int, cvc string) (*CardOnFile, error) {
+	return nil, errors.New("square payments not yet configured — set SQUARE_ACCESS_TOKEN and SQUARE_LOCATION_ID in .env")
+}
+
 func (p *ProdClient) GetCardsOnFile(ctx context.Context, userID string) ([]CardOnFile, error) {
 	return nil, errors.New("square payments not yet configured — set SQUARE_ACCESS_TOKEN and SQUARE_LOCATION_ID in .env")
 }
diff --git a/backend/internal/square/square_dev.go b/backend/internal/square/square_dev.go
index cbce45e..53825fa 100644
--- a/backend/internal/square/square_dev.go
+++ b/backend/internal/square/square_dev.go
@@ -40,6 +40,9 @@ func (d *devProdClient) RefundPayment(ctx context.Context, req RefundPaymentReq)
 func (d *devProdClient) CreateCardOnFile(ctx context.Context, userID, cardToken string) (*CardOnFile, error) {
 	return nil, fmt.Errorf("square payments not yet configured — set SQUARE_ACCESS_TOKEN and SQUARE_LOCATION_ID in .env")
 }
+func (d *devProdClient) CreateCardOnFileRaw(ctx context.Context, userID, cardNumber string, expMonth, expYear int, cvc string) (*CardOnFile, error) {
+	return nil, fmt.Errorf("square payments not yet configured — set SQUARE_ACCESS_TOKEN and SQUARE_LOCATION_ID in .env")
+}
 func (d *devProdClient) GetCardsOnFile(ctx context.Context, userID string) ([]CardOnFile, error) {
 	return nil, fmt.Errorf("square payments not yet configured — set SQUARE_ACCESS_TOKEN and SQUARE_LOCATION_ID in .env")
 }
@@ -217,6 +220,39 @@ func (m *MockClient) CreateCardOnFile(ctx context.Context, userID, cardToken str
 	return card, nil
 }
 
+func (m *MockClient) CreateCardOnFileRaw(ctx context.Context, userID, cardNumber string, expMonth, expYear int, cvc string) (*CardOnFile, error) {
+	log.Printf("[SQUARE-MOCK] CreateCardOnFileRaw: user=%s", userID)
+
+	m.mu.Lock()
+	defer m.mu.Unlock()
+
+	if m.cards[userID] == nil {
+		m.cards[userID] = make(map[string]*CardOnFile)
+	}
+
+	cardID := fmt.Sprintf("mock_card_%d", time.Now().UnixNano())
+	last4 := cardNumber[len(cardNumber)-4:]
+	brands := map[string]string{"4": "VISA", "5": "MASTERCARD", "3": "AMEX", "6": "DISCOVER"}
+	brand := brands[string(cardNumber[0])]
+	if brand == "" {
+		brand = "VISA"
+	}
+
+	card := &CardOnFile{
+		ID:          cardID,
+		CardID:      "cfa_" + cardID,
+		Brand:       brand,
+		Last4:       last4,
+		ExpMonth:    expMonth,
+		ExpYear:     expYear,
+		Fingerprint: fmt.Sprintf("fp_%d", time.Now().UnixNano()),
+		IsDefault:   len(m.cards[userID]) == 0,
+	}
+	m.cards[userID][cardID] = card
+	log.Printf("[SQUARE-MOCK] Card created: id=%s, brand=%s, last4=%s", cardID, card.Brand, card.Last4)
+	return card, nil
+}
+
 func (m *MockClient) GetCardsOnFile(ctx context.Context, userID string) ([]CardOnFile, error) {
 	log.Printf("[SQUARE-MOCK] GetCardsOnFile: user=%s", userID)
 
diff --git a/backend/internal/square/types.go b/backend/internal/square/types.go
index b96765c..61afad1 100644
--- a/backend/internal/square/types.go
+++ b/backend/internal/square/types.go
@@ -66,6 +66,7 @@ type SquareClient interface {
 	GetCheckout(ctx context.Context, checkoutID string) (*PaymentResult, error)
 	RefundPayment(ctx context.Context, req RefundPaymentReq) (*RefundResult, error)
 	CreateCardOnFile(ctx context.Context, userID, cardToken string) (*CardOnFile, error)
+	CreateCardOnFileRaw(ctx context.Context, userID, cardNumber string, expMonth, expYear int, cvc string) (*CardOnFile, error)
 	GetCardsOnFile(ctx context.Context, userID string) ([]CardOnFile, error)
 	DeleteCardOnFile(ctx context.Context, cardID string) error
 }
\ No newline at end of file
diff --git a/backend/main.go b/backend/main.go
index 35ade58..15e6020 100644
--- a/backend/main.go
+++ b/backend/main.go
@@ -230,8 +230,9 @@ func main() {
 
 			// User payment routes
 			r.Post("/bookings/{id}/payment", payments.CreateBookingPayment)
-			r.Get("/user/payment-methods", payments.GetUserPaymentMethods)
-			r.Delete("/user/payment-methods/{id}", payments.DeletePaymentMethod)
+		r.Get("/user/payment-methods", payments.GetUserPaymentMethods)
+		r.Post("/user/payment-methods", payments.CreatePaymentMethod)
+		r.Delete("/user/payment-methods/{id}", payments.DeletePaymentMethod)
 			r.Post("/bookings/{id}/tip", payments.CreateTipPayment)
 			r.Get("/bookings/{id}/payment-summary", payments.GetBookingPaymentSummary)
 		})