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Use Card on File with the Square App

Use Card on File with the Square Point of Sale app to make selling easy:

  • Securely add and store payment cards in your Customer Directory.

  • Seamlessly charge your customers’ stored payment cards or Square Gift Cards.

  • Safely carry out your business with Square handling PCI compliance and authorisation on your behalf.

You can also save a card on file from your online Square Dashboard by heading to the Customer Directory, or using Square Invoices.

Store Payment Cards from the App

There are three ways to store a card on file with the Square app:

  • From your in-app Customer Directory

  • Before a sale

  • After a sale

Note: Phone numbers cannot be used for Card on File notifications.

From your in-app Customer Directory

  1. Open the Square app and tap the three horizontal lines to navigate to the menu.
  2. Tap Customer > select an existing customer from the list or tap Create Customer
  3. Under Card on File, tap Add Card. Note: If you’re creating a new customer, first you’ll need to enter their personal information and tap Save. After the customer is saved in your Directory you’ll see the option to add a Card on File.
  4. Swipe the card with the chip facing downwards, or manually key in the card information, including the CVV and expiry date. You’re required to enter the customer’s full name and email address for receipts. They’ll also receive an email confirming that you have saved a card on file for them. 
  5. Have your customer authorise the card on file for future purchases by entering their billing postcode. 
  6. You’ll see Card Saved once it’s linked to the customer’s profile. Note: If your business has multiple locations, you can use a saved payment card to process a transaction at any location.

Before a sale

On iOS Devices

  1. On the Checkout screen, tap Add Customer. You can also tap the down arrow in the top right corner and tap Add Customer.
  2. Select an existing customer from the list or tap Create Customer
  3. Use steps 3-7 from the “From your in-app Customer Directory” section above to add and save the payment card information.

On Android Devices

  1. On the Checkout screen, tap Current Sale at the top of the screen. 
  2. Tap the down arrow in the top right corner, tap Add Customer, and select an existing customer from the list or tap Create New Customer
  3. Use steps 3-7 from the “From your in-app Customer Directory” section above to add and save the payment card information.

Note: You need your customer’s signed authorisation to save their card and protect you from chargeback liability. Use the provided template form by tapping on this form, download the file and manually send it to your customer via email or SMS. You can then securely store the signed copy to the customer profile for as long as the card is saved.

After a sale

Once you’ve completed the payment, you can store the payment card information used in the sale using the steps below.
Note: You’re unable to save payment card information for sales completed with Apple Pay, Google Pay, or Samsung Pay.

  1. To start, checkout your customer as you normally would.
  2. Once the payment is successful, on the receipt page tap Add Customer in the top right. 
  3. Select an existing customer or tap Create Customer
  4. Follow steps 3-7 outlined in the “From your in-app Customer Directory” section above.

Charge a Card on File with the App

With a stored card on file, you can charge your customer with the Square app at a future visit or with a Square Invoice, all without ever using the physical card.

From the Square app

  1. Add items to your cart or enter a custom amount.

  2. Tap Charge > Customer Cards on File.

  3. Select a customer with a card on file > tap Charge to select a payment card for the transaction.

  4. Complete the payment flow.

With Open Tickets

1. Select an existing Open Ticket or add items to your cart or enter a custom amount and tap Save to create a new Open Ticket.
2. Tap the down arrow and tap Add Customer. 
3. Select an existing customer with a card on file.
4. Tap Charge.
5. Card on File displays as a new tender type at the bottom of the screen. Tap Charge next to the card on file that you would like to use for the payment. 
6. Complete the payment flow.

When you charge a customer’s card on file, a receipt is automatically sent to the email address associated with their customer profile.

Unlink a Card on File

You can unlink and remove your customers’ cards on file from their profile in your Customer Directory under Edit Personal Information.

Your customers can also remove their own cards by following the link provided to them on all card on file notifications. Customers will receive notifications when their card is stored, when their email address is changed, and when a payment is made using a card on file. The link on these notifications will take them to their Card on File Dashboard, where they can view and remove the cards on file associated with your business.