Overview
Once you've stored a customer’s payment method in the Customer Vault, you can use that profile to run future transactions quickly and securely. This article explains how to process payments using saved customer data for different transaction types.
How Tokenized Payments Work
Instead of entering card details each time, you use a Customer Vault ID. This token represents the stored payment method, letting you run charges without handling sensitive data again. This improves speed, security, and customer convenience.
Common Use Cases:
- Auto-billing returning customers
- Subscriptions or memberships
- Mobile or virtual terminal transactions
- Invoicing clients for past-due or future services
Running a Sale Using the Customer Vault
- Go to Customer Vault → List Customers.
- Search for the customer by Name, Company, or Vault ID, click Submit, and then select the customer.
- Click the credit card icon to start a Sale (or other transaction action type - see below).
- Review pre-filled payment info.
- Enter the Transaction Amount and any other information you would like to add.
- Click Charge.
- A confirmation message will appear once the transaction is successful.
Vault-based transactions display the Customer Vault ID in the Customer ID field in your reports.
Transaction Action Types
Here are the available actions you can take from a stored customer record:
| Action | Description |
| Sale | Charges the customer immediately using the saved payment method. |
| Authorize | Authorizes a payment to be captured later. Useful for delayed services. |
| Recurring Subscription | Creates an automatic billing schedule. |
| Invoice | Sends a payment request to the customer via email. |
| Credit | Issues a refund to the customer. |
Using Multiple Billing Methods
If a customer has more than one billing method saved:
- Select the preferred payment method when starting a transaction.
- You can switch between credit card and ACH payment options depending on your needs.
Other Ways to Use Stored Profiles
You can also use saved customer profiles with:
- Virtual Terminal: For quick manual entry from your browser.
- Mobile Apps: Like iProcess for on-the-go payments.
- Batch Upload: To process multiple tokenized payments at once.
- API Integrations: Automate transactions from your own systems.
Using the API allows for full customization and automation of payment workflows. Contact your developer or integration team for setup.
Need Help?
If you have questions or need assistance activating or configuring Automatic Card Updater, please contact your Merchant Service Provider.