Manage customer cards

You can use BillPro to manage cards for your customers and to accept payments. We recommend that you get customers to enter their card details for their orders using payment links. For subscription, instalment, and metered orders, the customer must save a card. For single payment orders, the customer can save their card for future orders. BillPro does not save sensitive card data.

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Update card details in orders

This page describes how to manage cards at the customer account level, but if card details change, you must always update cards in orders. See Update cards.

Display customer cards

A customer's active cards are available in the Customer Account in the Wallet. From here you can set a preferred card for the customer, and you can also deactivate any cards with issues. BillPro highlights cards that are expiring with a yellow star.

A customer's inactive cards are in the Customer Account in Deactivated Cards. If you deactivate a customer card, it has a status of Forgotten. If the card expires, BillPro automatically forgets it and marks it as Expired.

If there are changes to cards in the customer's wallet, you must also update cards in all current orders. BillPro does not automatically update orders when there are changes to cards in the customer's wallet.

Customers can manage their own cards with links

Customers can use the links in email notifications to add cards in their orders. The email notifications to send a payment link and remind the customer of their pending orders contain 3D secure payment links. See Order ready and reminder.

To update cards, by default, BillPro sends a reminder on the 15th day of the month before a card expires, after a card has expired, or when a card has been blocked or cancelled. See Card expiring and expired and update. It also sends emails when billing events are declined, and before each subscription payment. See Scheduled payment approved and declined and rejected and Subscription renew and paused and resumed.

When you contact a customer, they can use a checkout link in a previous email, which remains valid until a transaction is approved.

You can also manually send the customer an email notification with a link to update their card details. See the Card Details Update notification at Card expiring and expired and update.

Add a card over the phone

When you are in contact with a customer over the phone, and the customer has a new card that they are not ready to start using in orders, for convenience, you can save the customer's card to the wallet in the customer's account. This does not add the card to the customer's orders. For each order, the customer or the user must add a card, by selecting a saved card or entering a new card.

After you enter the card details into a secure payment iframe, BillPro saves a secure token to represent the card. BillPro does not save any sensitive card data. When you save card details, most card issuers will require 3DS verification. BillPro confirms the card registration with a pre-authorisation transaction, and the card issuer notifies the customer of this transaction.

The amount of the pre-authorisation may be 0 or a small amount, such as 0.5 or 1.0 currency units. The minimum amount to authorise depends on the acquirer and this is part of your merchant configuration in BillPro. See Get set up in BillPro - Card registration amount. This amount is reserved for a few days while the card registration is processed, and then released again.

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Tell customers about card registration

It may be helpful to tell your customers about the pre-authorisation amount and 3DS verification, so they know what to expect for this transaction.

To register a card for a customer, do these steps.

1. In the navigation menu, go to Customers.
2. If the customer does not display in the list, move through the pages, or search or filter the list to display the customer.
3. In the Customers list, click the NAME.
4. On the Customer Account, select the gear options button
5. From the options menu, select Add Card.
6. Enter the Cardholder, Card Number, Expiry Date, and the CVV. BillPro does not store the sensitive card data.
7. Click Pay Now to charge a small confirmation payment to the card and register the card.

If the card registration is approved, the saved card displays in the customer's Wallet.

Card registrations display in the All Processed transactions list with a TYPE of RG for registration, and PA for pre-authorisation.

When you add a card to an order, the full card registration details will display in the Order Summary in the Registration Details section.

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 it at the checkout.

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

1. Display the Customer Account and open the Wallet.

2. Beside 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 card by selecting the new preferred card.

To remove the preferred card setting to have no preferred card, deactivate the preferred card and add it again. But you don't need to update existing orders, because they will keep using the previous card. The updated card in the wallet can be used in new orders.

Deactivate a card

After you add a card, you cannot delete it, but you can deactivate it with the Forget card option. When you deactivate a card, the customer can't use it for new orders. After you deactivate a card, to use the same card again, you must add it again as a new card.

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Deactivated cards are still active in orders

A deactivated card remains in use in live orders, and if the customer obtains a new card, you must update each order that will use the new card to add the card. See Update cards

To deactivate a card do these steps.

1. Edit the Customer Account.

2. Go to Wallet and from the card options menu, 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 that are 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.