Card-on-file payments that pay for themselves.
Store cards securely the first visit. Charge them automatically for the next one. No-show fees become enforceable. Repeat customers check out in seconds. Reyna Pay handles the PCI scope so you don't have to.
If your customers retype their card every visit, you're losing money.
Every additional friction point at checkout costs you a no-show, a tip, or a returning customer. Card-on-file removes the friction permanently and gives you the operational leverage to charge no-show fees, run memberships, and process repeat customers in seconds.
- →Customer types their card number every visit, that's 30+ seconds of unpaid time per checkout.
- →No-show fee policies are unenforceable because you can't actually charge anyone.
- →Membership programs require manual card chasing every renewal cycle.
- →Tips are smaller because the customer is rushed at checkout, not relaxed.
What card-on-file delivers.
Real numbers from businesses running card-on-file on Reyna Pay.
Card-on-file done right is more than just storing a card.
It's the foundation for every recurring-revenue feature you'd ever want, memberships, no-show fees, deposit pre-authorization, automatic invoice payment. We built it to be easy to set up, secure by default, and compliant out of the box.
Features built for card-on-file payments.
PCI-compliant tokenization
Card numbers never touch your systems. Tokens are stored in our PCI Level 1 vault. You charge the token, we handle the actual card data. Your PCI scope drops to near zero.
One-tap repeat checkout
Customer's card is on file. Next visit: open their profile, confirm amount, charge. Eight seconds. They walk out before the receipt prints.
Automated no-show fees
Customer no-shows? System charges the published cancellation fee against the card on file. No phone call. No awkward email. The fee captures and you move on.
Membership and recurring billing foundation
Card-on-file is required infrastructure for memberships. Built in, retry logic on failed payments, dunning workflows, member-facing pause/cancel controls.
Where this solution wins.
Salon no-show enforcement
Pre-auth at booking, charge fee on no-show, deposit credits to next visit.
Medspa membership program
Monthly memberships billed against stored cards, smart retry on declines.
Restaurant tab pre-authorization
Bartender pre-auths card, drinks ring against tab all night, capture at close.
Pet boarding deposits
Boarding deposit captured at booking, balance auto-collected at pickup.
Auto repair estimate to invoice
Customer approves estimate, deposit captures, balance charges when work completes.
Gym membership retention
Failed payment retries on smart schedule, member retention emails before access pause.
Common questions about card-on-file payments.
Yes. We tokenize the card number and store it in our PCI Level 1 vault. Your business never touches the card data, which means your PCI scope drops dramatically and your audit costs drop with it.
Standard chargeback process. Our evidence packs auto-compile the consent records, prior charge history, and any signed agreements (e.g., cancellation policies) for your dispute submission.
Yes. Customer-facing card management is supported, customers can view stored cards, update them, or remove them through your customer portal.
Saving a card on a POS often means actually storing the card data on the POS, which puts you in PCI scope. Reyna Pay's card-on-file uses tokens, the actual card data lives in our vault, your POS just holds a token.
Built for these verticals.
From the Reyna Pay blog.
Card-on-file at the salon: How to set it up legally and without losing customers
Card-on-file is now table stakes for salons. But there are real legal requirements around customer consent and disclosure. Here's how to do it right.
No-show fees: How to charge them, automate them, and not get chargebacks
No-show fees are how salons stop bleeding revenue from empty chairs. But charging them wrong creates chargebacks, bad reviews, and lost customers. Here's how to do it right.
Ready to use card-on-file payments?
Apply in two minutes. Most merchants approved within 24 hours.