With Card on File, you can save customer payment cards to your Customer Directory, immediately process invoice payments, and get paid faster. Saving a card on file comes in handy when creating recurring invoices or sending multiple invoices to the same customer.

You’ll pay a fee of 3.5% + 15 cents each time you complete a payment with Square Invoices using a card on file.

Save a Payment Card for Invoice Payments

There are a few ways to save a customer’s payment card:

From your online Square Dashboard:

  1. Visit the Customers section of your online Square Dashboard.
  2. Create or select an existing customer profile.
  3. Click the three-dotted actions menu on the bottom-right > Add Card.
  4. Enter the card details, select a location where this card can be charged, and print and file a Customer Authorization form. Note: the Authorization Form does not have a field for CVV for security purposes. The CVV is securely stored within your customer’s profile and not visible once saved.
  5. Click Confirm.

From your Square Point of Sale app:

  1. Tap Customers in the navigation menu > All Customers.
  2. Create or select an existing customer profile.
  3. Tap Edit Personal Information > Add Card.
  4. Swipe, insert, or key-in a card number > Next.
  5. Enter the customer’s email address so they can be notified when their card is charged > Next.
  6. Enter the card’s billing zip code > Authorize.

When creating a new invoice:

  1. When creating an invoice in the Square Dashboard or Square app, scroll to More Options.
  2. Check or toggle Allow Customer to save a card on file.
  3. When paying the invoice, your customer will be given the option to save their card details for future invoices and purchases.

Charge a Card on File for an Invoice Payment

When you create a Square Invoice, you can select a card on file to charge.

Charge a card on file from the online Square Dashboard:

  1. Head to the Invoices section of your online Square Dashboard > Create Invoice.
  2. Select a customer with a saved card on file.
  3. Under Invoice Method, select the card on file you’d like to charge.
  4. Select a Frequency and when you’d like to charge the card.
  5. Add Items to your invoice, then Charge immediately or Schedule for a future date.

Charge a card on file from the Square app:

  1. Tap Invoices in the navigation menu > Create Invoice.
  2. Select a customer with a saved card on file.
  3. Under Invoice Method, select the card on file you’d like to charge.
  4. Select a Frequency and when you’d like to charge the card.
  5. Add Items to your invoice, then Charge immediately or Schedule for a future date.

Keep in mind, if the Card on File is changed and the customer has a recurring invoice, you will need to edit that invoice series to ensure the right card is being charged.

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