Guide
Charging a customer again without asking each time is convenient and needs clear permission. This is general information, not legal or tax advice.
✓ Installed by our team and supported by phone. Rates and equipment are quoted to your business.
Merchant Fund Express explains payments in plain English so owners can make better decisions about equipment and processing.
Charging a customer again without asking each time is convenient and needs clear permission. This is general information, not legal or tax advice.
A card on file is a stored token that lets you charge a customer again. The customer must authorize it, understand when and how much you will charge and be able to cancel. Recurring billing uses the same token on a schedule.
Done well, it removes friction for both sides. Done carelessly, it creates disputes.
Written or recorded authorization.
State the amount, schedule and how to cancel.
Every charge gets a receipt.
A plan for declined renewals.
A maid service gets signed authorization for each client, bills after each visit and sends an email receipt. Disputes are rare because the client knows exactly what to expect.
If a term on your paperwork does not match what is written here, ask for it to be explained in writing. A good provider will happily walk through it, and a free statement review is an easy place to start.
If this is new to you, treat it as a vocabulary lesson, not a decision. The decisions come later, with a statement in front of you and a person who can explain the lines, and the words on this page are enough to follow that conversation.
Most owners only need to understand this once, at the moment a number on a statement or a clause in an agreement stops making sense. Having the idea clear in advance turns a stressful call into a routine one.
If you would rather hear it from us, call (305) 384-8391. We will walk through the decision with you, quote the equipment and processing for your business and look at your statement while we are at it.
A clean recurring process has three parts: a signed or recorded authorization that states the amount and the schedule, a reminder before any annual or irregular charge and a simple way to cancel. When a recurring card fails, a short message with an easy way to update it recovers most of the payments without a conversation. Keep authorization records for as long as the relationship lasts.
As explained by Merchant Fund Express. Updated 2026.
With authorization, using the secure card-on-file feature.
Recurring billing may require configuration; we confirm for your account.
Contact the customer and offer another method.
Card network and state rules apply; consult an advisor for specifics.
Sometimes. We review what you have and tell you what can be reused, what is worth replacing and what you should check in your contract before deciding.
There is no published price list because the right number depends on your volume, card mix and devices. Call for a personal quote and a free rate review.
Call Merchant Fund Express. We install it, train your staff and stay on the line after launch. Ask for a free rate review while you are at it.
