# Form configuration

Control how much billing information the form collects.

The Hosted Payment Form supports configuration options that allow you to customize its appearance and behavior. Use the `formConfig` object in your API requests to control how the payment form collects billing information.

## Billing information capture levels

The `billingInfoCaptureLevel` property controls how much billing information is collected from the customer. There are two options:

* **`Full`** (default) - Collects complete billing address including street address, city, state, country, and ZIP/postal code. This is the fallback when neither the request nor the payment method supplies a default.
* **`Minimal`** - Collects the country and ZIP/postal code in a compact layout below the card fields.

**Full billing (default)**

When the resolved `billingInfoCaptureLevel` is `Full`, the form displays complete billing address fields:

![Hosted Payment Form with card fields and a full billing address](https://doura.ca/doura_docs/static/img/hpf.png)

*Full billing mode collects complete address information.*

**Minimal billing**

When `billingInfoCaptureLevel` is set to `Minimal`, the form displays country and ZIP/postal code fields below the card fields:

![Compact Hosted Payment Form with country and ZIP or postal code fields](https://doura.ca/doura_docs/static/img/hpf-compact.png)

*Minimal billing mode collects country and ZIP or postal code.*

This compact form is ideal for scenarios where:

* You want to minimize friction in the checkout process
* Full address information is not required for your business needs
* You are processing card-not-present transactions where basic AVS (ZIP code) verification is sufficient

## Usage example

Include the `formConfig` object in your request to customize the form. If you send this object, `billingInfoCaptureLevel` is required. If you omit the object, the payment method defaults apply. Omitted optional fields inherit those defaults:

```json
{
  "amount": 1000,
  "paymentMethodId": "pmt_vrt_01JRZPTWS99Z7RB57Q1CVWSWDS",
  "invoiceNumber": "inv_12345",
  "formConfig": {
    "billingInfoCaptureLevel": "Minimal"
  }
}
```

## ACH payment method restrictions

> **Important:**
>
> **Important:** ACH payment methods always require full billing information. The `Minimal` billing capture level is **not supported** for ACH transactions. If you attempt to use `billingInfoCaptureLevel: Minimal` with an ACH payment method, the request will be rejected with a validation error.

Full billing information is required for both Personal Account and Business Account. The [account holder toggle](https://doura.ca/docs/payments/ach.md#personal-and-business-accounts) appears automatically in ACH sessions and defaults to Personal Account. The customer makes this selection in the form; `formConfig` has no property to preset it.

![ACH form with Personal Account selected, name fields, routing and account numbers, account type, and a full US billing address](https://doura.ca/doura_docs/static/img/hpf-ach-personal.png)

*ACH sessions collect bank account details and a full US billing address.*

## Form configuration properties

| Property                  | Type         | Default                                   | Description                                                                                                                                  |
| ------------------------- | ------------ | ----------------------------------------- | -------------------------------------------------------------------------------------------------------------------------------------------- |
| `billingInfoCaptureLevel` | string       | Required when the object is supplied      | Controls billing information collection. Values: `Full`, `Minimal`                                                                           |
| `piiFields`               | string array | Payment method default                    | Additional contact fields: `Email`, `Phone`. Send `[]` to request neither.                                                                   |
| `enable3DSecure`          | boolean      | Payment method default, otherwise `false` | Opts into 3D Secure (3DS2) cardholder authentication. Shifts chargeback liability for successfully authenticated transactions to the issuer. |

`enable3DSecure` has its own page - see [3D Secure](https://doura.ca/docs/hosted-payment-form/3d-secure.md).