Saved cards is also known as “card-on-file”, “1-click-payments” or tokenization of cards.
Saved cards can be used, when you want to save your customers card information to make a withdrawal on the card later. You can read more on the technical implementation on Saved cards
The use of Saved cards and PSD2
PSD2 splits the use of Saved Cards into two different scenarios depending on the later withdrawals on the saved card.
- Withdrawals where the cardholder is not present. Before saving the card, the merchant has agreed in which cases the later withdrawals can be completed - Merchant initiated transactions
- Withdrawals where the cardholder initiates the transaction. An example could be a store where the cardholder is logged in and can complete buys without filling in their card details - Customer initiated transactions
1 - Merchant initiated transactions
For merchant initiated transactions you should instead use subscriptions. There is no technical limitations through QuickPay regarding the amount or time of later withdrawals on subscriptions. You should however make sure to go through your business model with the acquirer aswell as make sure they have activated subscriptions on your acquirer agreement. You will also need to make sure you have an agreement with the cardholder regadring later withdrawals.
2 - Customer initiated transactions
For customer initiated transactions you should use saved cards. PSD2 goes into effect on the 14th of September 2019. PSD2 requires that the creation of the saved card and each later withdrawals are completed using Strong customer authentication (e.g. 3-D Secure).
It is currently not possible to use 3-D Secure on later withdrawals on saved cards. This will however be possible before the implementation-time of PSD2 expires in the beginning of 2021.
How to setup saved cards
As long as your shopsystem or integration uses the saved cards-feature, no further setup through QuickPay is required.
Most acquirers need to activate saved cards/card-on-file on the acquirer agreement. You should always give them a call to make sure this is done.
Acquirers like Swedbank, Bambora, Handelsbanken and Elavon route the payments through Nets, and from there to themselves. The acquirer should contact Nets and have them set it up, so the transactions can go through.
Can we switch acquirer?
Yes, but before you do, you must (as mentioned above) contact your new acquirer and make sure card-on-file is activated. Next you can make a test to make sure it is working, and when it does, we can update your card-on-file registrations, so they now are passed through your new acquirer.
Migrate Card-on-file to subscriptions
In three steps you can migrate Card-on-file to subscriptions.
1. First you must create a token on a Card-on-file:
The token created, will be used in step 3.
2. Then you must create a subscription:
When you create the subscription, you will receive an Subscription ID you will use in the final step.
3. Finally you will authorize the subscription with the token from step 1.:
To complete step 3, you will need token from step 1 and subscription id from step 2.
Now you have created a subscription and must use recurring to charge the customer.
Contact QuickPay Support