During frontend checkout on ecommerce, events, Member Compass invoice payment or new member registration, users have the option to "Save card for future payments" when entering their credit card information.
This makes your member's experience checking out on the site super smooth, quick, and simple!
Once a credit card is saved to their account, it will then be visible to select as a payment option on all future checkouts.
Note: When the first credit card is saved to their account, it becomes the default payment method for future checkouts. This will remain as their default card unless they manually update it via their Member Compass (see "Managing Saved Credit Cards" section below).
Saving Credit Cards
If a user is checking out on the site, and does NOT yet have any saved credit cards, their payment section will look similar to this (Notice the "Save Card for Future Payments" checkbox at the bottom)...
If a user does have a saved credit card(s), their payment sections will look similar to this, with their default card automatically selected. They can select one of these cards, or add a new card at the bottom, which will also give them the ability to save that card.
Please note that as long as you haven't disabled invoicing for the particular section the user is checking out, they will also be able to select the "Invoice" option as a payment method.
Managing Saved Credit Cards
Once a user has saved a card to their account, they can navigate to their Member Compass to manage their cards.
Within the Payment Methods section, the user will see their current saved credit cards' basic information for identification (name on card, last 4 digits, and expiration dates).
From here, they can add new saved cards, delete existing ones, or switch their default card. (Note: If they have an existing auto-renewing subscription, they will not be able to delete all of their saved cards)
(Please note: Though an unlikely scenario, if you ever consider switching from Stripe to QuickBook Payments, or vice versa, note that this would remove all saved credit cards on your site, since the cards are stored within the payment processor.)
Saved credit cards also play a role when a user purchases a subscription on your website. Here is the info you need to know:
Auto-renewing subscriptions will run automatically based on the default card on the account.
When users purchase a new subscription via credit card, they must: A. Choose an existing saved card for payment - OR - B. If adding a new card, they must save the card to their account.
Admins may only place subscription orders that are invoiced or if paid by credit card, do not auto-renew.
For these reasons, the purchase needs to be tracked to a record in the database. Therefore, guest purchases of subscriptions are not allowed.
Frequently Asked Questions
Can admins save a credit card to a member's record or manage a user's cards?
No, saved credit cards are for frontend users only. For security purposes (not only for the user, but protection for you as an admin as well), this is something that needs to be done by the user. Admins can still process one-time credit card payments from the backend, but cannot save a card for future purchases on a user's behalf OR see credit cards that a user has saved. This helps prevent chargebacks and fraud claims, from someone saying that a charge was unauthorized by them.
Is Novi PCI Compliant?
It's important to note with this question that Novi is not the system storing the credit card information or actually processing the payments. Credit card information is never stored directly through Novi. QuickBooks Payments and Stripe store the complete credit card information within their systems, separate from Novi. These external third-party processors are fully PCI Compliant.
More information: In accordance with QuickBooks’ specifications and industry best practices, Novi exchanges card information to a token before any information reaches our server. This means that while Novi facilitates the transaction, protected credit card data is never stored on our servers. All protected credit card data is securely passed directly to QuickBooks Payments or Stripe where it is processed and stored. At no time does Novi transmit protected card data back to the association, the Novi-provided website, or any other party beyond what is described above.
Can all logged-in users save payment methods, or only members?
Anyone with a login can save a payment method to their account, regardless of membership status.
Can people and companies save payment methods?
Saved payment methods are only applicable to individual people, not companies as a whole. This prevents, for example, John Smith from using his company's credit card without having access to it. That being said, multiple people can have the same card saved to their account.
Can "family members" share a saved payment method?
See answer above - while they can't "share" a payment method saved on someone else's record, they can save the same card to their own account.