If you are using Authorize.net, it is possible to allow your users to save payment methods for future use. You can learn more about how cards-on-file works.
With Authorize.net, you can:
- Add a payment method at any time (no need to process a transaction)
- Save a payment method when checking out through e-commerce or in-person (both card-present and card-not-present)
- Save credit/debit cards or bank accounts (ACH)
This article is provided for informational and educational purposes only. If you are having trouble following the steps in this guide, please reach out to Authorize.net’s support team.
Store a Payment Method
When you save a payment method, you will be presented with the same form as if you were running a transaction.
Saving a payment method (by itself without running a transaction) will not show up in your transaction search. However, you can look them up in your Customer Information Manager.
You can click on a Profile ID to see the details of the payment method.
Store a Payment Method and Run a Transaction
You can also store a payment method and run a transaction at the same time. These will show up in the transaction search and the customer information manager. This works for both e-commerce (card-present) and in-person (card-not-present) transactions.
Store an ACH (Bank Account) on File
You can store ACH as a payment method just like credit cards and debit cards. When the user is presented with the form, they can select Bank Account.
You can confirm a bank account is on file by going to Customer Profile > Payment Profiles in Authorize.net.