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Use Card on File with Square Invoices

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.

Note: Health Savings Account and Flexible Spending Account cards are not currently supported with 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. If the Card on File is past its expiration or fails for another reason, a new invoice will be sent allowing the customer to enter new card information, as well as save the new card information for future invoices.

Learn more about: Point of Sale

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