Introduction
This article introduces the registered card payments topic made by the club customer - a member or guest - in the ClientPortal. It will be useful to Financial Managers, Club Owners and Club Admins.
Before you start
As this topic is related to other complex subjects like Payment Plans, Methods of Payment, Payment Providers and the general ClientPortal registration and functioning, make sure you have familiarized yourself with these articles before further reading:
- Payment Plan Overview and Payment Plan Set up
- Methods of Payment
- Payment Providers List. It will also help you verify, if the payment provider operating on your local market allows for recurring payments.
Please remember, that not all of payment providers offer tokenization, and token-based payments. Please, contact us to confirm, if we could enable your choice.
Feature description
Club members can make their payments in several ways. One of them is by use of registered card, which means that the payment is made by automatically charging the tokenized (registered) card on a certain date, i.e. each month. Apart from card tokenization and configurable recurring payments, club members can make manual payments using that registered card on the ClientPortal. Similar to Online gate payments, that registered card can be used as well for one-time payments.
To use registered card, club member has to register it at a certain payment provider. The tokenization process looks very similar to the online gate payment flow. The customer is redirected to the payment provider site, where he or she goes through the registration process. Depends on the particular payment provider, the customer needs to make an initial payment. This is required by SCA regulations. In case of registration during the joining process on the ClientPortal, the system collects initial fees during this registration step. After successful registration, current customer debt is settled.
The customer can also register his or her credit card outside of the payment process. Depends on particular payment provider, there is an option to reverse the minimal amount used in verification payment, or that small amount will be used to settle the future debt.
This option also is due to the PSD2 compliance - card data (i.e. complete card number) are stored on the payment provider's side. On the PerfectGym side, we store only the token (registered card identifier in the payment provider system), the last four digits of the registered card number, the card holder's name, and card expiration date.
How does the card tokenization look like in ClientPortal?
During joining process, customer could be automatically redirected to the tokenization flow.
How to set up requirements for card registration during the ClientPortal Joining flow?
To enable card tokenization while joining the club:
- the Credit Card should be selected as a payment option,
- the Initial payment is required during online registration flag should be marked
- the payment provider should also be configured.
What can be done with a registered card?
- automatically charge customer's card for monthly fees. Please check details regarding recurring payments this article Credit Card recurring payments. The registered card should be assigned to the customer Contract.
How to make payments for a contract transaction with a registered card in the ClientPortal?
1. Go to the ClientPortal and select the Account tab.
2. Select the Payments tab. Here, the list of Payments made by the members will be displayed.
3. Tick the payment you want to process.
4. Accept the payment with the Pay button.
5. Chose your payment method - select Debit/Credit Card and click Next.
6. Chose payment source - here, the registered card number should be displayed. Verify, if this is the card you want to pay with. If so click Next to proceed.
- You can also add another card in this step by clicking on the Add new payment source button.
7. If all is correct, a message will be displayed: You are all set! Your contract payment has been paid!
How to make payments for a products with a registered card in the ClientPortal?
1. Go to the Client Portal and select the Shop tab.
2. Select the Buy now tab. Choose the product, you are interested and click Add to cart:
3. Go to Shopping cart and check, if all items and quantity is correct, choose Go to Payment:
4. Chose your payment method - select Debit/Credit Card and click Next.
6. Chose payment source Debit/credit Card- here, the registered card number should be displayed. Verify, if this is the card you want to pay with. If so click Next to proceed.
- You can also add another card in this step by clicking on the Add new payment source button.
7. If all is correct and payment was completed, a message will be displayed: Great! It's all done! and you will see your products in Shop / My purchases
What limitations are there for token-based payments?
Because of redirecting the customer to another website during the tokenization process, Perfect Gym has no control over payment processing on that site.
The customer has several paths to follow:
- to make a successful registration - after that, he/she will be redirected to the confirmation page in the ClientPortal, and a new payment source will be added to the payment methods wallet.
- the payment could fail because of e.g. insufficient funds on the card, or a blocked card - the customer will also be redirected to the ClientPortal, where he/she can see the detailed reason of the failed payment.
- the customer can close the browser after redirecting to the provider's website - without any registration attempt.
How does PerfectGym avoid situations where there is no confirmation of the payment status?
- After some configurable time, depending on the particular payment provider, PerfectGym tries to ask the payment provider's API about the status of the pending registrations, or finishes the entire payment process with an indication that the customer did not attempt to pay.
- That time - the window for making the payment is counted from redirect customer to payment provider, and by default is 15 minutes. This value could be adjusted by applying the Task.OnlineGateService.CancelNewMinutes setting value.