Associate Payment Methods

Zoho Billing offers robust payment method management to ensure smooth billing operations for your subscriptions. You can add multiple payment methods to each customer, associate them with their subscriptions, and mark a payment method as primary to make it the default payment method for autocharge-enabled subscriptions. If the card associated with the subscription fails during renewal, you can also mark a payment method as backup, which will be charged instead of moving the subscription to dunning.

Setting Up Payment Methods

Adding a New Card

Prerequisite: You must configure an online payment gateway to be able to add card details for your customers.

You can add a card for your customer in two different ways in Zoho Billing:

Once you add a card, you will have to manually associate a card to their autocharge-disabled subscriptions to convert them into autocharge-enabled subscriptions.

Add a Card Manually

There might be scenarios where your customers might want you to add their card details for them. To add a card for your customer:

Once you add the card, you can manually associate the card with existing subscriptions or new subscriptions. If your payment gateway supports autocharge, the existing subscriptions will be automatically converted into autocharge-enabled subscriptions upon associating a card.

Get Card Details From Your Customers

When your customers sign up for your subscriptions via the Hosted Payment Pages, they can enter their card details. The card will be automatically associated with their subscription.

If you have manually created a subscription for your customer, you can request their payment information via email through Zoho Billing. Here’s how:

Once your customer adds their payment information through the link in the email, the card details will automatically reflect in Zoho Billing. You can manually associate the card to existing subscriptions or new subscriptions. If your payment gateway supports autocharge, the existing subscriptions will be automatically converted into autocharge-enabled subscriptions upon associating a card.

Mark a Payment Method as Primary

If you have added multiple payment methods for your customer, you can mark one of them as the primary payment method. The primary payment method will be the default payment method when creating new autocharge-enabled subscriptions.

Pro Tip: If you want to select a different payment method, you can change it directly from the subscription creation screen itself while creating a new autocharge-enabled subscription.

Note: When you add a new payment method for a customer without a primary payment method, the newly added payment method will be marked as the primary payment method.

To mark a payment method as primary:

The payment method will now be marked as primary and by default, it will be associated with new subscriptions when they are created.

Note: Marking a payment method as primary does not automatically associate it with existing subscriptions. You will have to update the subscriptions manually and associate them with the payment method.

Unassign Primary Payment Method

To unassign the primary payment method:

Once you unassign the primary payment method, it will no longer be the default payment method when creating new subscriptions.

Note: Unassigning the primary payment method will not affect the existing subscriptions.

Mark a Payment Method as Backup

Zoho Billing allows you to assign a backup payment method to your customers to allow a smooth billing experience. If the payment method associated with a subscription fails, the backup payment method will be charged, before the subscription moves into dunning management.

To mark a payment method as backup:

Insight: If the backup payment method fails twice, autocharge will be suspended for it, unless the card is updated or the autocharge is resumed manually. To resume autocharge:

  • Navigate to the Customers module.
  • Select a customer.
  • Scroll down to the related payment method.
  • Select Reset to resume autocharge.

Unassign Backup Payment Method

To unassign the backup payment method:

Warning: Once you unassign the backup payment method, if a card associated with a subscription fails, the subscription will immediately move into dunning management.

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