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Saved Cards

Saving customer card details at the standard checkout level is a valuable feature for online merchants. It allows customers to securely store their card information during the checkout process, enabling faster and more convenient future purchases. This feature enhances user experience, encourages repeat business, and fosters customer loyalty. Here's an overview of how saving customer card details at standard checkout works:

Use Case​

Consider a scenario where a customer is making a purchase on an e-commerce website. During the standard checkout process, the customer has the option to save their card details securely for future transactions.

Workflow of Saving Customer Card Details at Standard Checkout:​

  1. Customer Selects Products:

    • The customer browses the merchant's website, adds desired products to the cart, and proceeds to checkout.

  2. Standard Checkout Initiation:

    • The customer enters shipping details, billing information, and payment details, including credit card information.

  3. Option to Save Card Details:

    • During the checkout process, the customer is presented with an option to save their card details for future purchases. This option is usually accompanied by a checkbox or toggle.

  4. Customer Consents to Saving Card Details:

    • If the customer chooses to save their card details, they check the appropriate checkbox, indicating their consent to store the information securely.

  5. Secure Card Information Storage:

    • The merchant's website securely transmits the card details to the payment gateway or a secure database using encryption techniques. The sensitive card information is not stored on the merchant's servers to ensure compliance with Payment Card Industry Data Security Standard (PCI DSS) regulations.

  6. Tokenization of Card Details:

    • The payment gateway processes the card information and tokenizes it. Tokenization involves replacing the card details with a unique token. This token is what gets stored in the merchant's database, providing an extra layer of security.

  7. Confirmation and Transaction Completion:

    • The customer completes the purchase, and the transaction is processed as usual. The order is confirmed, and the customer receives an email or on-screen confirmation.

  8. Future Purchases:

    • For future purchases, when the customer selects the saved card as the payment method, the token is sent to the payment gateway. The gateway decrypts the token to retrieve the original card details and processes the payment.

Benefits:​

  • Convenience for Customers: Customers can make purchases with a single click, reducing the time and effort required for repetitive data entry.

  • Increased Conversion Rates: Simplified checkout processes often lead to higher conversion rates, as customers are more likely to complete their purchases.

  • Enhanced Customer Loyalty: Providing a seamless experience encourages customers to return, fostering loyalty to the merchant's platform.

  • Secure Transactions: Tokenization ensures that stored card details are secure, reducing the risk of data breaches.

Implementing the option to save customer card details at standard checkout not only streamlines the payment process but also contributes to a positive and efficient shopping experience for customers, ultimately benefiting both merchants and consumers.