How to Set Up Recurring Payments on iPOSpays

Recurring Payments in iPOSpays allows merchants to automatically charge customers at scheduled intervals using saved card or bank (ACH) payment methods. Merchants can configure flexible billing frequencies, start dates, and end conditions based on business requirements.

Supported Payment Methods

Recurring Payments supports the following payment methods in iPOSpays:

Credit/Debit Cards
Bank Account (ACH)

Set Up Recurring Payments for an Existing Customer

Step 1: Log In

Step 2: Open Customer Profile

Navigate to My Customers from the left menu.

Search and select the required customer.

Step 3: Add Payment Method

Click Add Payment Method.

Available options:

Add Card
Add Bank (ACH)

Add Card Details

Step 1: Select the TPN

The following fields are pre-selected by default:

Action
Payment Type
Transaction Type

Select the required TPN from the drop-down list.

Step 2: Enter Card Information

Enter the following details:

Card Number
Expiration Date
CVV
Billing ZIP Code
Street Address
Card Holder Name

Fields marked with an asterisk (*) are mandatory.

Step 3: Validate Card

Click Validate Card to validate the entered card details.
Click Reset to clear all entered card details and start over.

Step 4: Review Validation Status

After successful validation, a confirmation pop-up appears indicating that the card has been validated successfully.

Available options:

Merchant Copy
Customer Copy
Close

Add Bank (ACH) Details

If the merchant selects Add Bank, follow these steps.

Step 1: Review Authorization Message

After clicking Add Bank, an authorization pop-up appears indicating that ACH transactions require customer consent.

Step 2: Select Authorization Method

Choose one of the following authorization methods:

This call is being recorded to have voice authorization
Received signed paperwork

Step 3: Proceed with Authorization

Click Proceed to continue adding bank details.
Click Cancel if you do not want to continue.

Step 4: Enter Customer Contact Details

The Bank payment option appears automatically and is selected by default.

Enter the following details:

Phone Number
Email ID

Step 5: Enter Bank Account Details

Complete the following fields:

Account Category (Personal / Business)
Account Type (Checking / Savings)
SEC Code
Routing Number
Account Number
First Name
Last Name
ZIP Code
City
Address Line 1
Address Line 2 (optional)
State

Fields marked with an asterisk (*) are mandatory.

Step 6: Complete Verification Details (If Enabled)

If verification is enabled, enter the following:

DL Number
DL State

Step 7: Add the Bank Account

Click Add Bank to save the bank details.

Note: You can click Reset to clear all entered bank account details and re-enter the required information.

Step 8: Review Confirmation Message

A confirmation message appears indicating that the bank account has been successfully added to the customer.

The added bank details can be viewed from the customer profile.

Configure Recurring Payments

Step 1: Open Recurring Payments

Navigate to My Customers and select the required customer.
Click the More drop-down on the customer details panel.
Select Add Recurring Payments.

Step 2: Select Payment Method

Choose whether the recurring payment schedule should use:

Cards (Saved Card)
Bank Accounts (Saved Bank Account (ACH))

Select the required saved payment method from the drop-down list.

Step 3: Enter Recurring Payment Details

Complete the following fields:

Amount

Enter the amount to be charged for each billing cycle.

TPN

The TPN is displayed by default. Select a different TPN if required.

External Reference ID

(Optional) Enter an External reference number for tracking purposes.

Frequency

Select the billing frequency:

Weekly
Bi-Weekly
Monthly
Bi-Monthly
Quarterly
Annually
Bi-Annual

Step 4: Select Start Date

Choose the date when the recurring payment cycle should begin.

The system displays a message indicating the start date of the next payment cycle.

Step 5: Configure End Condition

From the End By drop-down, select one of the following options:

Never The recurring schedule continues indefinitely.
Based on Date Select the required end date.
Based on Successful Count Enter the total number of successful payments after which the recurring schedule should stop.

Step 6: Select Terminal Type (ACH Only)

When using a Bank Account (ACH) for recurring payments, select the appropriate Terminal Type:

WEB â€“ Customer provides bank details online through a website or digital form
TEL â€“ Bank details are collected through verbal authorization over a phone call
PERSONAL â€“ Customer provides bank details in person with written authorization
BUSINESS â€“ Payment is made using a business or corporate bank account

Create Recurring Payments for a New Customer

Step 1: Open My Customers

Navigate to My Customers from the left menu.

Step 2: Add a New Customer

Click Action.
Select Add Customer.

Enter the required customer details, such as:

Name
Email
Phone Number

Step 3: Add Payment Method

Click Add Payment Method.

Available options:

Add Card
Add Bank

Step 4: Add Card or Bank Details

Select either Add Card or Add Bank.
Follow the same payment method setup steps described earlier in this document.

Step 5: Save Customer

After entering the customer and payment details, click Save Customer.
A confirmation message appears indicating that the customer has been updated successfully.

Step 6: Return to Customer List

Click Go to Customer List to return to the My Customers page.

Step 7: Configure Recurring Payments

Follow the steps outlined earlier in this document to set up the recurring payment schedule.

Manage Customers, Cards, Banks, and Recurring Payments

Edit or Delete Customer Details

Navigate to My Customers from the left menu.
Search and select the required customer.
Click the More drop-down on the customer details panel.

Available options:

Edit Customer â€“ Update customer information
Delete Customer â€“ Remove the customer profile from the system

Manage Saved Card Details

Update Card Details

Under the saved card section, click the Action/Menu button on the required card.
Select Update Card to modify the saved card details.

Run a Sale Using a Saved Card

Under the saved card section, click the Action/Menu button on the required card.
Select Run a Sale to process a sale transaction using the selected card.

Delete Saved Card Details

To delete a single saved card:

Select the checkbox for the required card
Click Delete

To delete all saved cards:

Click Delete All

Manage Saved Bank (ACH) Details

Run a Sale Using a Saved Bank Account

Click the Action/Menu button next to the saved bank account.
Select Run a Sale to process a sale transaction using the saved bank account.

Delete Saved Bank Details

To delete a single saved bank account:

Select the checkbox for the required bank account
Click Delete

To delete all saved bank accounts:

Click Delete All

View and Edit Recurring Payments Details

Access Recurring Payments

Navigate to CloudPOS from the left sidebar menu.
Select Recurring Payments.
The Recurring Payments screen displays all configured recurring payment schedules for customers.

View Recurring Payment Details

Search and select the required recurring payment schedule.

The recurring payment details screen displays information such as:

Past Transactions
Transaction Date
TPN
Card/Bank Details
Amount
Transaction Status

Merchants can review the recurring payment history and transaction status directly from this screen.

Edit Recurring Payment Details

To modify an existing recurring payment schedule:
Select the required recurring payment.
Click Edit Recurring Payment.

The recurring payment configuration screen opens.

Update the required recurring payment details, such as:

Amount
Frequency
Start Date
End Condition
Payment Method
Terminal Type (for ACH payments)

Save the changes to update the recurring payment schedule.

iPOSpays Features iPOSgo!