Keep customer payment methods on file without holding card data

Who it's for

• Repeat-service businesses

  Charge returning customers without re-collecting a card.

• Subscription and membership

  Hold the method that funds the plan.

• Phone and back-office teams

  Take an authorized payment without reading numbers aloud.

Core capabilities

• Card on file

  Save a customer's payment method for future authorized charges.

• Multiple methods

  Hold more than one method per customer with a default.

• Permissioned use

  Control which roles can charge a stored method.

• Consent record

  Keep the record of the customer's authorization to store the method.

• Vault hygiene

  Expired and removed methods are cleaned out of the record.

How it works

Integrations

• Merchant dashboard

  Every transaction, deposit and exception lands in one dashboard.

• APIs and webhooks

  Connect the product to your own software with REST APIs and signed webhooks.

• Partner connectors

  Certified connectors for common POS, ERP and commerce platforms.

Security

• PCI DSS Level 1

  Processing runs on PCI DSS Level 1 audited infrastructure.

• Tokenization

  Card data is replaced with tokens, keeping raw credentials out of your systems.

• Role-based access

  Permissions and audit trails control who can see and do what.

Implementation

• Discovery

  A payment specialist reviews how your business gets paid today.

• Configuration

  Accounts, users and settings are prepared before you go live.

• Testing

  Run test transactions and confirm reporting before cutover.

• Launch and support

  Go live with training materials and post-launch support.

Pricing

• Transparent pricing

  Pricing depends on volume, card mix and configuration. Fee Check compares your current statement before you commit to anything.

For businesses in the USA

A direct answer for a business in the USA: the workflow, the limit, and what to confirm next.

• The payment workflow

  Follow a US returning customer from approved capture/consent to selecting a saved method for a later authorized charge. In practice, the actual customer-method relationship, default selection and removal. Keep vault management distinct from the Tokenization page’s technical reference-creation process. Confirm eligibility, presentment currency, settlement currency and the enabled payment methods on the USA merchant account before quoting them. An illustrative amount is an example, not a fee or a funding promise. Secure Card Vault does not, by itself, prove delivery or win a dispute.

• The problem and the limit

  Clarify where credentials and token references reside, what staff can see and who may initiate charges. Record consent evidence, audit events, revocation and retention. Do not imply storage authorization grants unlimited future charging or that the vault makes every merchant system outside PCI scope. Confirm eligibility, presentment currency, settlement currency and the enabled payment methods on the USA merchant account before quoting them. An illustrative amount is an example, not a fee or a funding promise. Secure Card Vault does not, by itself, prove delivery or win a dispute.

• What to confirm

  Before you rely on this, confirm US enrollment, supported capture/reuse channels, multiple methods, fees and portability restrictions. In practice, updater participation separately and document migration/removal procedures. Avoid promises that credentials transfer freely between processors, merchant entities or every sales channel. Confirm eligibility, presentment currency, settlement currency and the enabled payment methods on the USA merchant account before quoting them. An illustrative amount is an example, not a fee or a funding promise. Secure Card Vault does not, by itself, prove delivery or win a dispute.