Asking a returning client for their credit card every time they pay slows down checkout and creates unnecessary friction for both of you. Card on File in Thryv Business Center™ lets you securely store a client's payment information once and use it for every future transaction, such as invoices, appointments, payment plans and scheduled payments, without asking for the card again. Card data is encrypted and stored on your payment processor's secure servers, never on Thryv's own infrastructure.

This article covers the following:

• Why Card on File Speeds Up Payments for Your Business
• How to Add a Card on File from the Client Card
• How to View All Cards on File for a Client
• How to Set a Default Card or Remove a Saved Card
• What Email Notification the Client Receives When a Card Is Saved
• What Transactions a Saved Card Can Be Used For
• Frequently Asked Questions

This article covers saving and managing cards on file in Thryv Business Center. This article does not cover the process for requesting that a client add their own card on file. For a full guide to the client self-service card on file process, see Have Your Customers Save or Manage Their Card on File. This article does not cover setting up scheduled or recurring payments using a saved card. To learn how to set up scheduled payments with ThryvPay™, see Set Up A One-Time or Recurring Scheduled Payment. This article does not cover the full list of Card on File frequently asked questions. For additional Card on File questions and answers, see Card on File FAQ.

Why Card on File Speeds Up Payments for Your Business

Storing a client's card on file removes the need to collect payment details at every transaction, which makes checkout faster and reduces the chance of a delayed payment. For businesses with a high volume of returning clients, such as salons, veterinary practices or service contractors, Card on File significantly reduces time spent at checkout. A saved card can be used across all transaction types in Thryv Business Center, including online appointment bookings, invoices and payment plans, giving clients a seamless payment experience regardless of how they book or pay. You can also use a saved card to set up recurring scheduled payments when ThryvPay is your connected payment gateway.

How to Add a Card on File from the Client Card

Cards on file are added directly from the client's Client Card in Thryv Business Center. Navigate to the client's Client Card. In the Client Card, locate the Payment Method section and click + Add New. The card entry window will open.

In the card entry window, enter the client's card number in the card number field, then enter the card's expiration date and CVC in the corresponding fields. Check the checkbox labeled Client has consented to save this card on file for future payments to confirm the client has given their explicit consent before saving. This consent checkbox is required and must be checked before the card can be saved. Once the card details are entered and the consent checkbox is checked, click Add Card to save the card to the client's record.

Alternatively, from the card entry window you can send the client a request to enter their own card details rather than entering the card information yourself. For a full guide to the client self-service card on file process, see Have Your Customers Save or Manage Their Card on File.

How to View All Cards on File for a Client

To view all cards saved on file for a specific client, navigate to the client's Client Card in Thryv Business Center. On the Client Card, locate and click the Saved Credit/Debit Cards section to expand the card list. The Saved Credit/Debit Cards section displays all cards currently saved on file for that client, including the card type and last four digits of each card. To add an additional card from this view, click + Add Card in the Saved Credit/Debit Cards section.

How to Set a Default Card or Remove a Saved Card

To manage a saved card for a client, navigate to the client's Client Card and expand the Saved Credit/Debit Cards section. Click the three-dot menu icon next to the card you want to manage. A dropdown menu will appear with two options: Set as Default and Remove. Click Set as Default to designate that card as the primary card used when processing payments for the client. Click Remove to delete the card from the client's record permanently.

Saved cards cannot be edited. If a client's card details have changed, such as a new expiration date or a replacement card with a new number, remove the outdated card using the Remove option and add the updated card details using the + Add Card button in the Saved Credit/Debit Cards section.

What Email Notification the Client Receives When a Card Is Saved

When a card is saved on file for a client, Thryv Business Center automatically sends the client an email notification confirming that their card has been stored. The email identifies the card using the card type and last four digits, for example, "Your Visa 0000 is saved on file to be used for future payments." The email also instructs the client to contact your business directly if they want to make any changes to the saved payment method. You do not need to send this notification manually, Thryv Business Center sends the card-on-file confirmation email automatically when the card is added.

What Transactions a Saved Card Can Be Used For

A card saved on file in Thryv Business Center can be used across the following transaction types: online appointment bookings, invoices, and payment plans. When a client with a saved card makes a payment, the payment screen displays the option to pay using a saved card on file or to enter a different debit or credit card. The client selects their preferred payment method at checkout. If ThryvPay is your connected payment gateway, a saved card can also be used to set up recurring scheduled payments. To learn how to set up scheduled payments, see Set Up A One-Time or Recurring Scheduled Payment.

All card data saved on file is encrypted and stored on your payment processor's secure servers. Card details are never stored directly by Thryv Business Center. This means your clients' sensitive payment information is protected by the same security infrastructure used by your payment gateway, not stored in your Thryv account directly.

Frequently Asked Questions

Can I edit a saved card on file if the client's card details change?

No. Saved cards cannot be edited after they are added. If a client's card details have changed, such as a new card number or updated expiration date, remove the outdated card by clicking the three-dot menu icon next to the card in the Saved Credit/Debit Cards section of the client's Client Card and selecting Remove. Then add the updated card details by clicking + Add Card in the same section.

Does Card on File work with Mobile QuickPay?

No. Card on File is not currently compatible with Mobile QuickPay. Saved cards on file can be used for online appointment bookings, invoices, payment plans, and scheduled payments through ThryvPay, but the Card on File feature does not apply to transactions processed through Mobile QuickPay.

Is client consent required before saving a card on file?

Yes. Before saving a client's card on file, you must check the checkbox labeled Client has consented to save this card on file for future payments in the card entry window. This consent confirmation is required and the Add Card button cannot be used until the checkbox is checked. Collecting and confirming client consent before storing payment information is a required step for compliance with payment industry standards.

Can a client add their own card on file without the business entering the details?

Yes. From the card entry window in the client's Client Card, you can send the client a request to enter their own card details directly rather than entering the card information on their behalf. For a full guide to the client self-service card on file process, see Have Your Customers Save or Manage Their Card on File.

How many cards can be saved on file for a single client?

There’s no limit to how many cards can be saved on file for a single client in Thryv Business Center. A client can have multiple cards saved and they can pick which one to use at checkout. Only one card can be set as the default at a time

Will a client be notified every time their saved card is charged?

Yes. After a client makes a payment, they receive an email with the payment details and that email includes a note at the bottom confirming their card is saved on file for future payments (for example, “Your Visa 0000 is saved on file to be used to future payments.”). So they will get that notification each time they pay, but it’s part of the payment confirmation email rather than a separate “your card was charged” alert. They also get visibility into what’s stored, since the message shows the card ending and confirms it’s active for future use.