When you store a card on file, have your customer enter their email address for receipts. That email address will display within your Customer Directory as a marketable contact added by you. When you charge a card on file, Square automatically issues an email receipt to the address associated with your Customer’s profile, even if your customer has entered a different email for automatic receipts.
Square complies with all required PCI standards, so Square account holders do not need to validate PCI compliance for information given to Square. With Card on File, you don’t have to worry about handling your customer’s sensitive information or storing any paper forms.
It’s a violation of PCI standards to record a customer’s CVV, which is why there isn’t a space for it. If you’d like to manually input a payment, you’ll need to request the CVV directly from the seller each time you input the card. If you take advantage of Square’s Card on File feature, you don’t have to manually input the CVV.
Square sends a digital receipt to the email address saved to the customer’s profile each time their stored payment card is charged. However, if you have sign and tip receipts turned on, a receipt will print and your customer will receive a digital copy.
Adding a customer to an open ticket will also associate their payment card on file. When you’re ready to close a ticket, tap Charge > Under the Card on File tender type, select from the customer’s cards on file > complete the payment.
When using Square’s eCommerce API or Customers API to store cards on file, you can use these cards to complete payments with both the Square Point of Sale app and Square Invoices (and vice versa). Square’s APIs, the app, and Invoices all use the same infrastructure to support Card on File.
Once a card on file expires, you or your customers will need to unlink the card information from their profile in your Customer Directory under Edit Personal Information. After this has been done, the new card information can be updated at any time. If you attempt to run an expired card on file with Square POS app, the payment will decline.
Health Savings Account and Flexible Spending Account cards are highly regulated and have very strict policies around their usage. At this time, HSA and FSA cards are not supported with Card on File.
While you’re unable to save these types of cards to your Customer Directory, you can still accept payments from HSA and FSA cards using the normal checkout flow on the Square Point of Sale app, Square Appointments app, and Square Invoices app if your Merchant Category Code is set to Medical Practitioners or Medical Services and Health Practitioners.