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How to Save a Credit or Debit Card on File for an Opportunity without Processing a Payment

Learn three ways to save a credit or debit card to an opportunity in SmartMoving without charging it: from the Cards tab, from the payment wizard, or by asking the customer to add one after they sign a $0-deposit estimate.

Written by Michelle Carone

Overview

Save a credit or debit card to an opportunity without charging it, so your team can take payment later without asking the customer for card details again.

SmartMoving offers three ways to do this. Use the Cards tab when you already have the card details. Use the payment wizard when you are already in it. Use Offer Card on File when you want the customer to enter the card themselves after they sign a $0-deposit estimate.

Before You Start

  • Available to accounts that take card payments through Remedy Payments. To get card processing set up, book a card plan discussion with Remedy Payments.

  • The Offer Card on File option in Send Estimate is available only when the deposit amount on the estimate is $0.00.

How To Save a Card from the Cards Tab

  1. Open the opportunity and go to the Estimate page.

  2. Find the Payments card in the right sidebar and select the Cards tab.

  3. Click Add Card.

  4. Confirm the details under Confirm billing address for new card: Name On Card, Street Address, and Postal Code.

  5. Click Next.

  6. Enter the card number, expiration date, and security code on the secure card form.

The card appears in the Cards tab with no charge made. It is available the next time your team takes a payment on this opportunity.

Note: Name On Card requires both a first and last name and cannot contain commas. Enter it as "FirstName LastName."

To set a default card, choose which card pre-authorization uses, or read the card labels, see How to Manage Cards on File for an Opportunity.

How To Save a Card from the Payment Wizard

Use this route when you are already in the payment wizard, or when you prefer the flow your team already knows.

  1. Open the opportunity and click + Payment in the Payments card header, then select Take Payment.

  2. Select Credit Card

  3. In Payment Category select On File to store the card without any charges applied.

  4. Click Store Card.

  5. Enter the card Billing Address and Name on Card. Then click Store Card again.

  6. Enter the Card details.

  7. Click Register. The card is stored and no charge is made.

The saved card is available the next time you add a payment to this opportunity.

Note: On File appears in Payment Category only when you are keying in a new credit or debit card. It is not offered for a card already saved, for cash, or for a check.

How To Have the Customer Save a Card

When you waive the deposit, you can ask the customer to store a card themselves as part of signing the estimate. This is the Offer Card on File option, and it is available only at a $0.00 deposit.

  1. Open the opportunity and start Send Estimate.

  2. Set Deposit Amount to $0.00.

  3. Turn on Offer Card on File.

  4. Send the estimate.

After the customer signs, they are asked to add a card through the payment processor. The customer can decline, and their choice appears on the opportunity.

With the toggle on, SmartMoving shows you a preview of what the customer will see after signing, so you can check the wording before sending.

Note: If a deposit is required on the estimate, Offer Card on File cannot be turned on. SmartMoving shows "Card on File is intended as a $0-deposit alternative. Override the deposit amount to $0.00 first, then toggle this on." Change Deposit Amount to $0.00 first, then turn the option on.

💡 SmartTip: When the deposit amount is above $0.00, you do not need this option. The card the customer uses for the deposit is saved on file automatically, and the Send Estimate panel says so under Deposit Amount.

How To Pay Using a Saved Card

  1. Open the opportunity and click to add a payment.

  2. Select the saved card from the saved payment methods.

  3. Enter the payment amount and confirm. The transaction is processed using the saved card.

💡 SmartTip: Saved cards and saved E-Check accounts appear above the other payment methods, so your team can pick one without re-entering details. The Default label marks the card to use when there is more than one.

Key Details

  • No payment amount is needed when saving a card on file. SmartMoving stores the card information only and makes no charge.

  • SmartMoving prevents duplicate cards. Saving a card that is already on file returns an error.

  • Cards are saved to the customer, so a card saved from one opportunity is available on that customer's other opportunities.

  • Saved payment methods also appear in the Saved Payment Methods section of the customer profile.

  • When a customer adds a card themselves, they accept the Payment Authorization and Card-on-File Terms as part of that step. See Storing Customer Credit Cards for Future Use.

  • A card the customer uses for any payment is saved automatically when your gateway account is set to store all cards, which is the default with Remedy Payments.

Troubleshooting

An error appears when trying to save a card

The system prevents duplicate cards. If you receive an error, check whether the card is already saved to the opportunity or the customer profile.

SmartMoving could not store the card

SmartMoving shows "We were unable to store that card" with the reason from the payment processor. Click Try Again and re-enter the card details. Check that the postal code matches the card's billing address, since a mismatch is a common decline reason.

The Name On Card field will not accept the name

Name On Card needs both a first and last name and rejects commas. Enter "FirstName LastName" rather than "LastName, FirstName."

Offer Card on File cannot be turned on

Offer Card on File works only at a $0.00 deposit. If a deposit is required on the estimate, set Deposit Amount to $0.00 first, then turn the option on.

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