Recurring Payments

With recurring payments, it is possible to automatically debit money from a customer's bank account after they have authorized the initial payment and granted consent to recurring payments. It can be used for instance for subscriptions to services, sponsorship donations, etc.

This feature relates to the card payment method.

There are two ways in which recurring payments can be made:

• Via API

• Manually in the Client Portal

Payment from the customer's perspective

Before the actual payment, the payment terms are presented to the customer. The payment terms explain what amount will be debited, how often and for how long.

If the customer agrees, they are redirected to the payment gateway. There they complete the required card data. Each subsequent payment is made without his intervention until the agreed time.

Activation of the feature

This feature is not automatically set up for customers. If you would like to enable it, please contact customer support.

In the first step, you will record the customer by registering and then logging in with a name and password.

Before the first payment, the customer is informed of the terms of payment. The customer is informed that this is a recurring payment with the amount charged at regular intervals until a certain time. In order to agree to the periodic deduction of recurring payments, we recommend creating a checkbox with acceptance of the terms and conditions. After obtaining consent, you set a recurrence period with the initial payment and deduct further payments yourself without the customer's participation – they do not access the payment gateway again.

Recurring payments are subject to the terms and conditions of the VISA and Mastercard card associations, so the following rules must be observed:

1. Inform the customer of the terms and conditions of the recurring payment

2. obtain the customer's consent to regular debits

3. after each charge, send the cardholder a receipt confirming the payment

4. inform the customer of any change for the next charge. The change may be in the amount charged or the frequency of the charge.

Recurring Payments via API

Recurring payments made through the API are suitable for clients with a larger customer base. With this method, you can set the recurrence time and the payment amount, and the charges will be processed automatically.

To use this feature, first contact our customer support team to activate recurring payments. Then, make the necessary adjustments to your e-shop integration according to the API documentation.

Manual Entry in the Client Portal

Manual entry of recurring payments is suitable for clients with a smaller customer base, where processing payments manually is not too time-consuming.

Manual recurring payments are one-time transactions and do not allow setting a recurrence time, only the payment amount. Therefore, you need to monitor the frequency of charges.

No integration changes to your e-shop are required for manual recurring payments. To activate this feature, first contact our customer support team. Once activated, you can set up recurring payments manually in the Client Portal by following these steps:

1. Create an Initial Payment in the Client Portal.  The initial payment is the first transaction where you inform your customer about the terms and obtain their consent for recurring payments.

   1. In the Client Portal, navigate to the Payments → Payment Link. Fill in the payment details and select Initial Payment (for recurring) in the "Payment Type" field.

   2. Click Generate New Payment and send the payment link to your customer.

2. When you need to create a recurring payment repeat the Initial Payment.

   1. Locate the initial payment in the Client Portal (see Step 1).

   2. Click Recurring payment.

   3. Set the payment amount and click Recuring payment.

You can set the recurring payment amount higher or lower than the amount charged in the initial payment.

Only the initial payment can be repeated.

Updating Payment Details

If your customer changes their card, you must create a new initial payment and have it processed using the new card. Subsequent payments can then be repeated from this new initial payment.