For additional flexibility with real-time, recurring, and card-on-file transactions, your clients can create secure tokens with a customer’s card payment or eCheck data, which enables them to schedule future card-on-file charges and create recurring plans.
Tokens protect the payer’s sensitive data, simplify PCI compliance for you, and do not expire.
The Payrix Pro platform offers a Recurring Payments (/subscriptions) solution that enables you to schedule recurring transactions directly via our Portal.
As an alternative, you can create your own recurring transaction database. In this case, there are a few required fields you will need to submit in order to be in accordance with card brand mandates. See recurring payment guidelines here.
Because the customer's information (e.g. address) remains linked to each token, issuer declines due to address verification service (AVS) mismatch or similar are a lot less likely. If your client would like to be able to keep multiple payment methods on file, they can save multiple tokens per customer.
Note
Saving AVS information on a Customer is not required to create a token. This is highly recommended to be saved to this record to increase successful recurring and card-on-file transactions with the token.