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How do I charge a returning customer without re-entering card details?

When a customer saves their card, you can charge it again later without them re-entering anything — for repeat orders or subscriptions. Saved-card charging needs the right processing setup, which support enables.

Once a customer saves their card, you can charge it again later without them entering details each time — useful for repeat orders and for subscriptions that bill on their own. The customer authorises the card once; after that you can charge the saved card for future payments.

How it works

  • The first payment saves the card (with the customer’s consent).
  • Later charges reuse the saved card — no checkout, no re-entry. This is what powers subscriptions and free trials that charge automatically when the trial ends.

Good to know

  • Charging a saved card when the customer isn’t present (“off-session”) relies on the right live processing setup on your account. If a saved-card charge won’t go through, contact support — this depends on your account’s processing configuration.
  • A customer can still be asked to re-confirm by their bank (via 3-D Secure) on some charges — that’s the bank’s call, for security.
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Related
Accepting paymentsHow do subscriptions and recurring billing work?Set up a subscription to charge a customer automatically — monthly, or as annual instalments over 12 months. Failed charges are retried, and each charge is recorded against the customer.Accepting paymentsHow do free trials work?Add a free trial of up to 90 days to a subscription. The customer saves a card upfront, gets a reminder before it ends, and is charged when the trial finishes — or the subscription auto-cancels.
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