thread Re: Square Point of Sale Update - Card on File in Archived Discussions (Read Only)

Square Point of Sale Update - Card on File

Kelly — Wed, 01 Aug 2018 21:46:24 GMT

I’m very excited to announce the latest update to the Square Point of Sale app. Card on File will give you the ability to safely store and charge your customers cards in your Point of Sale app all while staying compliant with PCI standards and creating a seamless experience for your customer.

This has been one of our most requested features and I’m here to tell you about it - let’s get started! A few things to note before we jump in:

You’ll pay a fee of 3.5% + 15 cents each time you complete a payment with a card on file using the Square app.
Card on File is only available for the Square app on iOS and Android devices.
Apple pay, Android pay, and Samsung pay cannot be stored, but this is a feature we’re looking into.

Let’s set it up! I’ll walk you through how to enable Card on File for your Account, the different ways you can save a card, how to charge a card once it’s saved, and, finally, how to unlink a card that is no longer in use.

Enable Card on File

First things first, we will need to enable Card on File for your account. To turn on Card on File:

Open the Square app and tap the following icon:
Tap Settings > Customer Management.
Toggle on Charge and Save Cards to Customer Profiles to save your customers’ payment card information to your in-app Customer Directory.
To save a card after a sale, toggle on Show Save Card Button After Checkout.

Save your Customer’s Card

Once you have enabled your settings, you’ll be able to start saving your customer’s cards. There are three ways that you can save a customer’s card: before a sale, after a sale, or through the Customer Directory in your Point of Sale App.

Before a sale
Note: It’s a little easier using your device in landscape view.

Tap the drop-down arrow in the upper-right corner > Add Customer.
Select an existing customer from the list or tap Create New Customer.
Tap Edit Personal Information > scroll to the bottom and tap Add Card.
Swipe the card or manually key in the payment card (or Square Gift Card) information. You’re required to enter the customer’s name and email address.
Have your customer enter their email address for receipts.
Have your customer authorize the card on file for future purchases by entering their billing ZIP code. Your customer will receive an email confirming that you have saved a card on file for them.
You’ll see Card Saved once it’s linked to the customer’s profile. If your business has multiple locations, you can use a saved payment card to process a transaction at any of them.

After a sale
To start, ring up your customer as you normally would. Once you’ve completed the payment, you can store the payment card information used in the sale using the steps below.

Tap the add card icon in the top-left corner of the All Done Screen.
Select an existing customer or tap Create New Customer.
Use steps 3-7 from the section above, “Before a sale” to add and save the payment card information.

From your in-app Customer Directory

Open the Square app and tap the following icon:
Tap Customer > select an existing customer from the list or tap Create New Customer.
Use steps 3-7 from the section above, “Before a sale” to add and save the payment card information.

Charge a card

Once you have your customer’s card linked, you can process a transaction or Invoice without ever having the physical card present.

From the Square app
Note: We recommend using your device in landscape view for each set of steps below.

Add items to your cart or a enter a custom amount.
Tap Charge > Customer Cards on File.
Select a customer with a card on file > tap Charge to select a payment card for the transaction.
Complete the payment flow.

With Open Tickets

Add items to your cart or a enter a custom amount.
Tap the drop-down arrow in the upper-right corner > Add Customer.
Select a customer with a card on file.
Tap Charge.
Card on File displays as a new tender type at the bottom of the screen. Tap Charge next to the card on file that you would like to use for the payment.
Complete the payment.

Once you complete the transaction, Square Point of Sale will automatically send a receipt to the email address that is registered on your customer’s profile within your app.

Unlink a Card

If your customer ever needs to update their card or would like to delete their card completely, you can either manually remove the card or have them remove the card themselves.

Manually Remove

Open the Square app and tap the following icon:
Tap Customers > Select the customer you need to edit.
Tap Edit Personal Information > Remove Card.

Your customers can also remove their own cards by following the link provided to them on all card on file notifications and receipts, these emails will go out to your customers when their card is stored, when their email address is changed, and when a payment is made using a card on file.

The link on these notifications will take them to their Card on File Dashboard, where they can view and remove the cards on file associated with your business.

Thanks for reading! You can keep up with all of our latest releases by subscribing for email updates. Please feel free to start a new thread if you have any feedback for us.

See you next time!
The Square Point of Sale Team

P.S. Click here and subscribe to receive email notifications each time we publish an update for Square Point of Sale!

Re: Square Register Update - Card on File

Roo — Sat, 24 Sep 2016 15:31:47 GMT

Thats a great feature however the 3.5% + 15 cents isnt good

Re: Square Register Update - Card on File

Sean — Mon, 26 Sep 2016 17:22:06 GMT

@Roo - We'll be sure to share your feedback.

Re: Square Register Update - Card on File

Roo — Sun, 15 Sep 2019 01:44:55 GMT

thanks. What i mean is id use this feature 100% if it was still standard card present rate

Re: Square Register Update - Card on File

diasporasalon — Tue, 27 Sep 2016 23:10:15 GMT

Is this available for Square Appointment too? The ability to save a customer's CC info in their profile?

Re: Square Register Update - Card on File

Spenser — Fri, 30 Sep 2016 22:45:11 GMT

While not directly in the Appointments page, your client list is shared with and links to your Customer Directory, where their cards are saved, @diasporasalon. Should work great with it!

Why is the processing fee for card on file so expensive?

Bestofwestonhai — Wed, 01 Feb 2017 12:27:20 GMT

3.5% + .15 for using card on file feature? Why is this so much more?

Re: Why is the processing fee for card on file so expensive?

Sean — Thu, 02 Feb 2017 20:14:54 GMT

@Bestofwestonhai - To get going, I went ahead and merged your comment with our thread about Card on File. As a manually entered payment, this feature follows our standard pricing for these types of charges. I'll also be sure to share your feedback regarding pricing with our product liaison team.

Re: Square Register Update - Card on File

nr — Wed, 01 Aug 2018 00:30:49 GMT

When will this feature be added to the Square Point Of Sale app on Android? According to this article it has been 2 years since it deployed to iOS.

Re: Square Register Update - Card on File

Helen — Wed, 01 Aug 2018 22:00:19 GMT

@nr Card on file is already available on Android devices. I've just updated this post, thank you!

Re: Square Point of Sale Update - Card on File

AthenianAcademy — Tue, 28 Aug 2018 18:49:24 GMT

Will card information be on file for all account transactions or only those done through the ios app. In otherwords, if a customer completes a transaction through my online shop, will their credit card information be saved?

Re: Square Point of Sale Update - Card on File

Helen — Tue, 28 Aug 2018 22:43:24 GMT

@AthenianAcademy This post only refers to saving a card on file from the Point of Sale app. If a customer buys an item from your Online Store their card information will not be saved.

Re: Square Point of Sale Update - Card on File

BEF — Sat, 01 Dec 2018 18:34:41 GMT

Customer can delete their card themselves!!!!! That is a fact!...so if they owe you money...guess what?? You’re screwed!!! Not too good for the seller!!!

Re: Square Point of Sale Update - Card on File

EJ_ — Sun, 02 Dec 2018 18:30:52 GMT

Hi @BEF

Card on File was built with the purpose of making payments to sellers more convenient for the buyer. Rather than re-entering their payment information for each invoice or appointment, the would have the option to have a card on file.

Can you provide details around your business and how you're currently using Card on File? There might be something we can suggest that might help with this.

Re: Square Point of Sale Update - Card on File

LANewsBureau — Wed, 18 Dec 2019 23:34:53 GMT

I take the point about fees for manually entered card numbers vs. swiped cards, given that the former *may* have a slightly elevated fraud risk (because the card was never present).

Suggestion: Perhaps your developers could distinguish cards that were manually typed in via the virtual terminal to start with, versus those that were swiped (either on the virtual terminal for IOS or Chrome, or with the app for mobile devices) and saved to the customer profile.

In other words, a card that entered the system with a swipe would cost normal swipe fees, even if it were used "on file" for subsequent transactions, while manually entered cards would merit the higher fee rate. That preserves the distinction between cards that were physically present for use vs. those that were not, but doesn't require the presence of the card every time.

Re: Square Point of Sale Update - Card on File

Marv333 — Sat, 21 Dec 2019 20:36:51 GMT

@EJ_ I agree with the user @BEF above this is very not good for the sellers I’m losing a lot of money because it makes reserving the appointment with a credit card pointless. HELP!!!

Re: Square Register Update - Card on File

Leah1512 — Mon, 23 Dec 2019 20:33:35 GMT

We do not offer this option "save card on file" since we notice about the .15cnts also, we did a few ( 30 or less) clients during the year card keyed sales. In 2020 I Will personally audit every "card keyed" reported by Square. Today our Report say we did more card keyed than dipped, but we use INVOICE the major of our sales, my question is ... INVOICE is considered "Card Keyed" even when the client does not save their cc on file ?

Re: Square Register Update - Card on File

Kassi_ — Mon, 23 Dec 2019 21:42:59 GMT

Hi @Leah1512 -

Yes, the invoices are considered "Card Keyed" payment types because usually the customer enters the payment on their end. You can swipe payments, if a customer comes in to pay an invoice.

Whenever it says "Card on File", that's when the card is saved to the Customer's profile.

Customer Credit Card Update

marriedinmke — Mon, 06 Jan 2020 20:18:04 GMT

Is there a way to send a link to a customer to update their credit card information for their monthly recurring invoice?

A customer emailed me to update their new card. I don't want to take it over email and phone is inconvenient for us. Any suggestions?

Thanks!

Re: Customer Credit Card Update

Kassi_ — Tue, 07 Jan 2020 16:10:55 GMT

Hi @marriedinmke -

I have moved your post over to a board on a similar topic.

You can delete the current card on their customer profile, so then the next invoice they will have the option to save the new card on file. Check out the earlier post up for the full instructions on unlinking the card.