Take installment payments: automatic card payments

How it works

1. On their plan page your customer pays an amount by bank card and ticks the box to save the card. Only card payments can be saved (not transfer or USSD).
2. We keep a secure reference to the card, never the card number. It is stored encrypted and can be used only for that person's plan.
3. On each due date, we charge what is due to that card, with no one needing to be at a payment page. Your customer is told, and the payment is applied to the plan.

If a payment cannot be taken

• We try again on the following days, up to 4 times for each payment.
• Your customer is told to pay another way, with a link to their page. You see the failure in the plan's history.
• A bank may ask the card holder to confirm a repeat payment. When that happens we send them a confirmation link instead of failing the payment.
• Not every card can be saved, and a saved card stops working when it expires. Keep the payment link and account number options open for your customer.

Removing a card

Your customer can remove their card on their page at any time. You can remove it too: open the plan and press Remove card. A cancelled plan removes the card automatically.

Charging a saved card yourself

On the plan, press Charge what is due now to take the amount due from the saved card straight away. Only one card payment can be in progress for a plan at a time.

Saved-card payments must be switched on for your account. If the option does not appear for your customers or a card is not saved, contact us and we will check it with you.