# Recurring Payments

This page provides an overview of Xplor Pay’s Recurring Payments solution and explains how to create customers, store customers information, generate customer tokens, and schedule automated recurring payments according to your specified schedule.

## About Recurring Payments

The Xplor Pay’s Recurring Payments allows businesses to create and manage customer profiles, securely store payment methods using tokenization, set up flexible scheduled payment plans, and automatically process payments based on the defined schedule. You can charge customers on a fixed schedule, such as weekly, monthly, or yearly, without requiring manual payment collection each time. The solution securely stores customer and payment details and processes scheduled payments based on the plan you define.

## Business challenges addressed

Integrating Recurring Payments helps to solve common payment challenges such as:

* Automates recurring charges to eliminate repeated payment requests and manual processing.
* Ensures on-time billing by automatically charging customers on a predefined schedule.
* Improves customer experience by securely storing payment details and reducing repeated data entry.

## Key capabilities

Recurring Payments provides the following core capabilities:

* Create, store, and manage customer profiles with complete billing details.
* Securely store payment methods as tokens and reuse them for future transactions.
* Automatically process customer payments based on the defined payment schedule.
* Create, view, update, and monitor payment plans throughout their lifecycle.

## Use cases

Recurring Payments covers some of the following scenarios:

* Subscription-based services
* Installment or payment plans
* Ongoing maintenance or support contracts
* Programs with scheduled payments

## Recurring Payments process flow

{% stepper %}
{% step %}
**Create a customer profile.**

Create a customer profile to store the customer’s basic and billing information. The system generates a unique customer key used to manage recurring payments.
{% endstep %}

{% step %}
**Link the payment method.**

Link an existing payment token to the customer profile. This token enables future recurring charges without exposing sensitive payment data.
{% endstep %}

{% step %}
**Create a recurring payment plan.**

Define the payment amount, billing frequency, and date range to activate a recurring payment plan for the customer.
{% endstep %}

{% step %}
**Process scheduled payments.**

The system automatically processes payments according to the configured schedule and payment plan.
{% endstep %}

{% step %}
**Monitor payment plans.**

Monitor the payment plans to understand their current status.
{% endstep %}
{% endstepper %}

## Technical requirements

To use Recurring Payments, you need:

* Active Xplor Pay account
* Configured authentication for API access

## Related topics

* To create a customer and start the process quickly, see the [Recurring Payments Quick Start Guide](https://docs.xplorpay.com/getting-started/getting-started/our-products/payment-processing/broken-reference).
* To learn how to implement the setup to process payment, see [Recurring Payments](https://app.gitbook.com/s/yN9CLsR8tlS8G8avRMB5/payment-processing-solutions/recurring-payments/process-recurring-payments).