Manage customer cards

Customers must save a card (or use a saved card) for each subscription, instalment, and metered order. You can also require customers to save cards for single payment orders. BillPro stores card tokens; it does not store sensitive card data.

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PCI compliance

Enter customer card details in the virtual terminal only.

This page describes how you can manage cards in the Customer Account to:

1. Display all cards and related orders.
2. Get the customer to update their own cards in orders via payment links.
3. Set a preferred card and deactivate a card.

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Update card details in orders

Each recurring payment order has a current card attached. This page describes how to manage cards at the customer account level, but to update cards, you must always update cards in orders. See Update cards.

Display customer cards

For all cards in the Customer Account, you can display the related orders.

The Wallet has all the customer's active cards, which will display for selection in future orders. From here, you can set a preferred card for the customer, and you can also deactivate cards. BillPro highlights cards that are expiring with a yellow star.

Deactivated Cards has all the deactivated cards, with a status of Forgotten. BillPro does not display them to select for future orders. But BillPro will continue to charge them if were already selected in live orders. If a card expires, BillPro automatically deactivates it and marks it as Expired.

If cards change in the customer's account, you also need to make sure to update them in all the customer's live orders. BillPro does not update cards in orders.

Email notifications and payment links to update cards

BillPro has a complete set of email notifications with payment links. The email notifications help you to manage the order flow.

When you create an order, BillPro sends email notifications to send a payment link and remind customers of their pending orders. The payment links in these emails open the checkout. See Order ready and reminder. After the customer makes an approved payment, pre-authorisation, or card registration, the payment links will open the order portal.

In the order portal, customers can manage their own cards as described below.

There are also specific reminders to update cards. For example, by default, BillPro sends a reminder on the 15th day of the month before a card expires and after a card has expired. See Card expiring and expired and update.

BillPro also sends emails when recurring payments are declined. For example, because a card is blocked or cancelled. See Scheduled payment approved and declined and rejected. And there is a set of notifications for when there are changes to subscriptions. See Subscription renew and paused and resumed.

When you contact a customer, you can ask them to use any payment link in any previous email notification for their order. With the payment link, they can access the order portal and update their card. You can also manually send the customer an email notification to update their card details. See Update cards

Customers update cards in the order portal

In the order portal, when the customer selects another card for an order, BillPro updates the order in the Related Orders for the cards in the Customer Account.

When the customer removes a card, BillPro deactivates the card in the Customer Account, so it does not display for selection in future orders. BillPro will continue to charge the card in live orders.

When the customer selects + Add Payment Method, a checkout opens so the customer can enter their card details. BillPro adds the new card as the selected card for the order and adds the card to the Wallet in the customer account.

Set a preferred card

You can mark a card as the preferred card in the customer's wallet to make it faster and easier to select at the checkout.

To mark a card as the preferred card, do these steps.

1. Display the Customer Account and open the Wallet.

2. Next to the customer card, from the options menu, select Mark as preferred.

   

BillPro moves the card to the top of the Wallet and displays a star beside the card.

When you create an order, the preferred card displays with a highlight box and a star.

You can change the preferred card to another one by selecting the new card.

You can remove the preferred card setting so the customer has no preferred card. To do this, deactivate the preferred card and add it again in an order. Or, get the customer to add their card again with a checkout link. You don't need to update all existing orders because they will keep using the previous card.

Deactivate a card

You cannot delete a card from the wallet, but you can deactivate it with the Forget card option. When you deactivate a card, the customer can't use it for new orders. To use the same card again, you or the customer must add it to an order as a new card.

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Deactivated cards are still active in orders

A deactivated card remains in use in live orders. If the customer obtains a new card, you or the customer must update each order to use the new card. See Update cards

Remember that customers can use payment links from email notifications to access the order portal. In the order portal, they can add new cards to orders and replace existing cards.

To deactivate a card in the BillPro wallet, do these steps.

1. Edit the Customer Account.

2. Go to Wallet, and open the card's options menu, then select Forget Card.

   

   BillPro moves the card to the Deactivated Cards section.

3. In the Deactivated Cards section, select the FORGOTTEN card, and from the options menu, select Show Related Orders.

   

4. Check for live orders using the card. For each order, to open the Order Summary, click on the ZUID. Then, manage the billing events and update the card for the order. See Update cards.