How payment method storage works

A commitment authorizes a charge that may happen weeks later, only if the commitment fails. For that to work, a usable payment method has to be on file in advance.

• Saving the method is part of the authorization you give at checkout — it is not a payment.
• The method becomes your primary card and can be reused for future commitments unless you change it. You may add one optional backup.

• Payment-provider identifiers and limited display details such as card brand, last four digits, and expiry date.
• Commitery does not receive or store full card numbers or CVC values — those stay with the payment provider.
• This is enough to show you which card is on file and to request a later charge, without Commitery handling raw card data.

The saved method is intended to be reusable. After a user saves a card once, later commitment checkouts can show the saved payment method instead of asking the user to type card details again.

• The user still has to accept the commitment terms and authorize the conditional charge for each new commitment.
• Reusing a saved card is convenience, not blanket permission to charge unrelated amounts.
• If the payment provider or bank requires fresh authentication, the user may still need to complete an additional verification step.

When a failed commitment finally becomes chargeable, the charge is made off-session — you are not present to confirm it. Banks sometimes require extra verification for these.

• The provider may require additional authentication before an off-session charge can succeed.
• If a charge cannot be completed, the payment state is handled as described in Charges and invoices.

You can replace or remove the primary and optional backup in profile settings. A replacement primary applies to unpaid commitments and future routine cycles. If an eligible charge is declined on the primary, Commitery may try an authorized backup once.

• Replacing or removing a card does not erase commitments already created.
• Removing the last card stops future card charges and pauses active routines. An unpaid commitment remains unresolved, and a new paid commitment cannot be started until a usable primary card is saved.