Credit Card Vaulting
Convert one-time shoppers into loyal customers with credit card vaulting. Logged-in customers can save—or “vault”—their credit card credentials to use in a later purchase for the same, or another, store within the same merchant account.
Enable vaulting
Merchants can enable credit card vaulting for their stores in the Payment Services Settings.
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On the Admin sidebar, go to Sales > Payment Services.
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Click Settings.
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Toggle the Vault enabled selector. See Enable Payment Services for more information.
Vaulting without purchase
Logged-in customers can vault a payment method in the My Account dashboard by:
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Logging into their My Account on the storefront.
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Navigating to Stored Payment Methods in the left navigation to see all their stored payment methods.
See Stored Payment Methods for more information.
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The customer clicks Add New Card to store a new card.
The customer must provide all required details, such as card and billing information, to vault the payment method.
All vaulted payment methods use the billing address set while vaulting the card, which in the shopper’s PayPal account. The customer might see a different billing address than the one displayed in Commerce. -
Click Save New Card
Stored cards are elegible for use when placing an order:
Delete a stored payment method
Customers can easily delete vaulted credit cards from the Stored Payment Methods in the My Account by clicking Delete for a specific card.
Vaulting a payment method during checkout
Logged-in customers can vault a credit card during checkout to use in a later purchases in the current store or other stores within the same merchant account:
Commerce stores a token that helps customers complete future checkouts by fetching their saved credit card information. Vaulting a card from the customer account or during checkout will result in different payment tokens.
Use vaulting in the Admin
If a customer has a previously vaulted credit card, a merchant can create a subsequent order for that customer in the Admin using any of these vaulted payment methods.
You can only use vaulted cards in the Admin if the customer has both an existing account and a valid token stored in the system from a previously completed payment.
To create an order in the Admin for a customer using their vaulted credit card:
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In Payment & Shipping Information, select Stored Cards as the payment method.
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Select the desired vaulted credit card payment method.
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After completing any other necessary steps for the order, submit it.
Security
Minimal credit card information is shared with the shopper; they only see the last four digits, expiration date, and brand of their vaulted credit card. Credit card information is stored with the payment provider to satisfy PCI compliance standards.