Cards on File

Manage stored payment tokens, Account Updater results, and decline responses for card-on-file payments.

Use Cards on File to process payments with a stored token. Review Account Updater results and decline responses before retrying a payment.

High-volume retries can increase authorization costs. They can also trigger fraud controls.

Use the guidance in these pages to decide when to retry, disable billing, or request another payment method.

• Overview

• Account Updater Responses

• Manage Declines

• Collect Updated Payment Details

• Common Scenarios & Troubleshooting

Related topics

• See Tokenization to learn how payment tokens protect card data.
• See Tokens that describes token retrieval and management.
• See Transactions for token-based transaction responses.