{"schema":"exacc.help.page/1","url":"https://exacc.au/help/charge-saved-card/","title":"Charge a customer's saved card","description":"Charge an invoice to a card or PayPal account your customer saved, as agreed with them. The customer is emailed every time; you can remove saved cards.","category":"Invoicing & Payments","summary":"When a customer pays an invoice online they can tick **Save my card** (or PayPal account). Later, open one of their invoices and click **Charge saved card**: pick the card, check the amount and click **Charge**. The payment is recorded against the invoice and the customer is emailed. Only charge as agreed with the customer.","lastVerified":"2026-10-12","apps":["app","public"],"processIds":["charge_saved_card"],"start":{"label":"Open Manage Invoices","url":"https://app.exacc.au/{dbId}/sales/invoices"},"menuPath":["Sales","Invoices","Manage Invoices"],"before":["Online payments set up with Stripe, eWAY or PayPal.","The customer saved a card or PayPal account when paying one of your invoices online.","An agreement with the customer that you may charge it (e.g. in your terms or contract)."],"steps":[{"step":1,"title":"Open the invoice","body":["Open **Sales › Invoices › Manage Invoices** and click the invoice you want to charge. **Charge saved card** appears in the **Payment** section next to **Create Payment for Invoice**. It is shown only when the invoice has something owing and the customer has a saved card."],"url":"https://app.exacc.au/{dbId}/sales/invoices"},{"step":2,"title":"Choose the card and amount","body":["Click **Charge saved card**. Pick the card or PayPal account. The amount starts at the balance due; lower it to charge part of the invoice. You cannot charge more than is owing."]},{"step":3,"title":"Charge","body":["Click **Charge $…**. The payment is recorded against the invoice and the customer is emailed the amount, the card used and the provider's reference, with a link to remove the card if they no longer want you to keep it."]}],"sections":[{"heading":"If the charge does not go through","body":["A declined card shows the reason and nothing is recorded. If the provider did not answer in time, Exacc says so: the card may have been charged. Check in your Stripe, eWAY or PayPal dashboard before trying again, so the customer is not charged twice."]},{"heading":"Removing a saved card","body":["In the **Charge a saved card** window, click **Remove** next to the card, then **Yes, remove**. It is removed for good and can no longer be charged; the customer can save one again the next time they pay. Customers can also remove their own saved cards on the invoice page.","A card saved under a payment account you no longer use is shown greyed out. It cannot be charged, but you can remove it."]}],"faqs":[{"q":"Can I charge a saved card automatically every month?","a":"Not yet. Each charge is made by a person from the invoice, and the customer is emailed each time."},{"q":"Do I ever see the card number?","a":"No. Exacc stores only a reference from the provider and a label such as \"Visa ending 1111\"."}],"related":["https://exacc.au/help/accept-online-payments/","https://exacc.au/help/pay-invoice-online/","https://exacc.au/help/manage-invoices/","https://exacc.au/help/payment-history/"],"linkNote":"Links containing {dbId} open that screen in the business file whose id is dbId. A person can also open this help page with ?db=<dbId> to get the same links as buttons."}