> For the complete documentation index, see [llms.txt](https://docs.omni.integratedcommerce.io/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.omni.integratedcommerce.io/hosted-payment-form/form-configuration.md).
# 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.
{% tabs %}
{% tab title="Full billing (default)" %}
When the resolved `billingInfoCaptureLevel` is `Full`, the form displays complete billing address fields:
Full billing mode collects complete address information.
{% endtab %}
{% tab title="Minimal billing" %}
When `billingInfoCaptureLevel` is set to `Minimal`, the form displays country and ZIP/postal code fields below the card fields:
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
{% endtab %}
{% endtabs %}
## 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
{% hint style="danger" %}
**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.
{% endhint %}
Full billing information is required for both Personal Account and Business Account. The [account holder toggle](/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 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](/hosted-payment-form/3d-secure.md).
