Enabling Stored Credit Cards
Stored Credit Cards allows your customers to safely and securely store their credit card details so they are able to complete future purchases faster. It’s a convenient way for shoppers to get through the checkout process quickly and easily, improving conversions.
If your store is using the Cornerstone theme, customers can also add new cards, delete cards, select a default card, and edit the billing details of existing cards from their customer account area of your storefront.
Card data is stored securely with the payment gateway.
When a logged-in customer gets the payment section of checkout, they are given the option of saving their card for future purchases.
The next time they go through checkout, they will be able to see and select saved cards when they get to the payment section.
If your store is using Cornerstone (2.6 or higher) or other compatible theme, customers can also manage their stored cards from the Payment Methods tab of their storefront account area. They can see the existing cards they have on file, choose a card to be their default payment method, update the billing address associated with a card, delete old cards, and add new ones.
Not using Cornerstone? If you’re using a third-party or non-BigCommerce developed theme, ask your theme developer about updating their theme to support Stored Credit Cards.
Enabling Stored Credit Cards
To enable stored credit cards on your storefront, navigate to Store Setup › Payments and click the tab for your payment gateway. Toggle the switch to enable Stored Credit Cards and Save.
If you don’t see a toggle, make sure your store meets all of the requirements.
In order to use Authorize.net for stored credit cards, merchants will need to sign up for the Customer Information Manager in the Authorize.net Dashboard. To learn more, see What is the Customer Information Manager (CIM).
Set Require CVV to Yes. A CVV number is required to store credit cards on Authorize.Net. You can find this setting under Store Setup › Payments in the Authorize.Net tab.
CyberSource requires Card Tokenization on the merchant account. A merchant needs to contact CyberSource customer support and request this feature.
All payment gateways that support Stored Credit Cards have security features to make sure the stored card is valid, such as requiring the CVV number of the card during checkout and using Trusted Shipping Addresses.
Trusted Shipping Addresses is a security feature that associates the stored card with the last known address used to ship a purchase. This can be used as an alternative to requiring the card's CVV number to help cut down the time it takes to complete checkout. This feature can be adjusted from the payment gateway's dashboard.
It is possible to use both Trusted Shipping Addresses and Require CVV at the same time. Keep in mind that if Require CVV is enabled in the payment gateway dashboard, it will also need to be enabled in the BigCommerce control panel in order to work properly.
Deleting Stored Credit Cards
Logged-in customers can delete their stored cards in the payments section of checkout. If they have one or more stored cards, they will see a link to Manage them.
The manage card screen will show the cards that shopper has stored. To remove a stored credit card from the list, click Delete next to the card and click Yes, delete on the confirmation prompt.
Can I delete cards from my payment processor's customer management portal?
No. In order keep the customer records synchronized between your BigCommerce storefront and the provider’s vault all cards must be deleted from the BigCommerce storefront.
Deleting cards from the processor’s customer management will cause synchronization problems with your storefront, and prevent shoppers from being able to manage the affected cards.
To prevent issues, only shoppers should delete their cards.
Is storing credit cards PCI compliant?
Yes. Your BigCommerce store is NOT storing credit card information. The payment gateway stores this information which is in keeping with PCI compliance.
What if I don't see Stored credit cards as an option?
Can I delete cards that have been stored?
Only shoppers can delete their stored cards.
Can stored credit cards be used on Manual Orders?
No, stored credit cards are only available to shoppers during checkout.
Do I need to continue to ask customers for a CVV?
The security standards for some payment gateways will require shoppers to enter their CVV every time. Braintree uses the feature Trusted Shipping Address as a security measure, removing the need to enter a CVV.