Saved cards

A customer can keep a card on file so you can take payment later without asking them again. Saved cards appear on the order, and you can charge one directly or place a fresh hold on it.

Danger

Only charge or place a hold on a saved card when the customer is expecting it and has agreed to it. Taking an unexpected payment, even for money genuinely owed, invites disputes and chargebacks, and repeated disputes can put your card processing account at risk of penalties or suspension. When in doubt, contact the customer first.

Where saved cards appear

Orders → (an order) → Authorisations

Any held card and any saved cards for the order are shown here, each with the actions you can take.

Open the order and go to the Authorisations tab. Cards the customer has saved are listed there.

What you can do with a saved card

• Charge the order. Take payment for the balance owing straight away. This charges the saved card and records the payment against the order.
• Place a hold. Create a new payment authorisation on the saved card, reserving the balance without charging it yet. The hold is captured when you approve the order, and lapses after a few days if it is not.
• Remove the card. Take the saved card off the order when it is no longer needed.

Tip

Charge the card when you are ready to take payment now. Place a hold instead when you want to secure the money but leave the actual charge until you approve the order.

Caution

Charging a saved card takes real money from the customer immediately. Make sure the amount and the order are right before you charge.