Saved payment methods

Where in the portal: Billing › Settings (/billing?settings=1). Where in the admin: Customers › List › a customer › Overview (/customers/<id>), card Payment, shows the saved method and the auto top-up history.

What it does

A saved payment method lets NexCMP charge a customer without them being present, so their services never stop because the wallet ran out. It is used only by automatic top-up. Two kinds exist: a card saved at Stripe (including cards used through Apple Pay, Google Pay or Link when Stripe returns a reusable card) and a PayPal account stored in the PayPal vault.

Requirements

Item	Requirement
Channels	Stripe and/or PayPal configured and enabled.
Site	The main site, or a reseller site whose payment channel is collected by the platform. A reseller site that uses its own Stripe account cannot save cards.
Customer	A customer account that made a top-up with the card or PayPal.

How a method gets saved

1. The customer opens Billing, clicks Deposit and pays with Card or PayPal.
2. The payment is created so that the method can be reused later: Stripe stores the card with the customer at Stripe (off-session use), PayPal stores a vault token. NexCMP keeps only references (a Stripe payment-method ID and customer ID, or the PayPal vault ID) and a display label such as visa •••• 4242 or the PayPal e-mail. Card numbers never touch your server.
3. When the payment completes, automatic top-up is switched on once if the customer never chose settings before. There is no extra tick box or message on screen. The server records the time, the customer's IP address and the method as evidence.
4. Next time, the deposit screen offers Saved card ... in the card dropdown, and Saved PayPal ... for PayPal.

Manage and remove

1. In the portal go to Billing and click Settings. The panel shows the saved methods (Stripe card and/or PayPal) and the automatic top-up options.
2. To remove a card click Remove card and confirm. Stripe detaches the card and auto top-up is turned off.
3. To remove PayPal click Remove saved PayPal and confirm.

Admin view

Open the customer in Customers › List. The Payment card on the Overview tab shows the saved method labels (Saved cards), the gateway used for automatic charges, the stored evidence of consent (time, IP, method) and the last 20 automatic charge attempts with their status and reason (Auto top-up history).

Verify

1. As a test customer, deposit the minimum by card. After the payment completes, open Billing › Settings: the card and the auto top-up switch (on) are visible.
2. Start another deposit: the dropdown offers the saved card.
3. In the admin, the customer's Payment card shows the same card label.

Limits & notes

• Stripe Link and wallets. Link, Apple Pay and Google Pay are Stripe features. NexCMP does not store anything Link-specific; it only keeps the card reference Stripe returns.
• PayPal. Every PayPal top-up the customer starts needs a click; saved PayPal is used only by automatic top-up, never by other features.
• Reseller sites. If a reseller uses its own Stripe or PayPal account, saved methods are hidden and automatic top-up is unavailable for that site.
• Disputes. A dispute on any payment blocks the account and stops its prepaid services; see Stripe.
• Removing the last method turns automatic top-up off; the customer keeps the wallet balance.
• Evidence. The consent record is written by the server (not editable by the customer) and is kept for dispute handling.

Troubleshooting

Symptom	Cause	Fix
Customer sees no Settings button or saved card	Site uses a reseller-owned payment channel, or no card payment yet	Make a card or PayPal top-up through the platform channel.
"Saved card" missing after a Stripe payment	The payment was made with a method that cannot be reused (for example Alipay)	Pay again with a card.
PayPal: "cannot save this account yet"	PayPal did not return a vault token	Continue with a one-time payment, or try another PayPal account.
Auto top-up stopped after card removal	Expected: removing the card disables it	Save a new method with the next deposit.