Add Payment Methods on File with Square Invoices
Streamline the process of paying for Square Invoices by adding a payment method on file. There are two options available: Card on File and Bank Account on File.
Card On File
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.
Note: Health savings account and flexible spending account cards are not currently supported with Card on File. Physical or electronic gift cards will work with Card on File, but we recommend your client confirms the balance will cover the purchase prior to running the payment.
Save a Payment Card for Invoice Payments
There are a few ways to save a customer’s payment card:
From your online Square Dashboard
Go to the Customers section of your online Square Dashboard.
Create a new customer or select an existing customer profile.
Click ... > Add Card.
Enter the card details, select the 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.
Click Confirm.
From your Square POS app
Tap Customers in the navigation menu, then tap All Customers.
Create a new customer or select an existing customer profile.
Tap Edit Personal Information > Add Card.
Swipe, insert, or key-in a card number, then tap Next.
Enter the customer’s email address so they can be notified when their card is charged, then tap Next.
Enter the card’s billing zip code, then tap Authorize.
When creating a new invoice
When creating an invoice in the Square Dashboard or Square app, scroll to More Options.
Check or toggle on Allow Customer to save a card on file.
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.
- Go to Payments > Invoices in your online Square Dashboard and select Create Invoice.
- Select a customer with a saved card on file.
- Select a Frequency and the date when you’d like to charge the card.
- Add Items to your invoice, then Charge immediately or Schedule for a future date.
- Under Payment options, find Payment methods on file and select the card on file you’d like to charge.
- Tap Invoices in the navigation menu, then tap Create Invoice.
- Select a customer with a saved card on file.
- Add items to your invoice, then Charge immediately or Schedule for a future date. You also have the option to add a payment schedule, make the invoice recurring, and set due or send dates.
- Under Payment method, you can select Payment methods on file if the customer has added one before, or Add a card on file to their profile. If this is a new customer, you can tap Add a card on file, or choose one of the other payment methods accepted.
- Preview the invoice, then tap Send.
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. The card on file will be charged on the due date or each recurring invoice. If the card on file is past its expiration or fails for another reason, a new invoice will be sent to the customer allowing them to enter new card information, as well as save the new card information for future invoices.
Bank Account on File
With Bank Account on File, you can save customer bank account information to your Customer Directory. This expedites the process of approving future invoice payments by removing the need to add bank details each time your customer makes a payment. Instead, they simply approve or reject any charges via a notification that appears during checkout.
Note: Bank Account on File may be applied to invoice payments for a recurring invoice series like a Card on File. A buyer must approve the bank charge of the first invoice of the recurring series. Subsequent invoices of the same recurring series will be automatically charged.