ZonePayments allows your customer to save their payment information for the automatic payment of future Invoices.
The following payment methods may be saved for automatic payment:
- Credit Card
- ACH Direct Debit
- SEPA Direct Debit
- BACS Direct Debit
A customer may update their saved payment method when they make their next payment as long as it’s before the Invoice due date.
ZonePayments supports saving payment methods as a customer’s Default Autopay Method or for a specific group of Transactions (e.g. subscriptions, contracts, Invoices created from a single Sales Order, etc).
Note: Sales Orders are not considered eligible for automatic payments.
See Authorization Application for more information on Payment Groups.
Autopay Records and Processes
When your customer saves their payment method for automatic payments, a ZP Authorization record is created in NetSuite and connected to a ZP Customer Profile the next time the ‘Process Authorizations’ automation runs. Together these two records represent the authorization to automatically pay future Invoices using the payment method saved by the customer.
To identify and process Invoices set up for autopay, ZonePayments runs the automation ‘Process Autopay’ on a daily basis. By default Autopay evaluates Transactions that meet the following criteria:
- Transaction Type is Invoice
- Due Date <= today
- Unpaid amount is greater than zero
- Disable autopay on Invoice is FALSE
- Posting is TRUE
- Account Type is an AR account
- A payment method is on file (Authorization record: Default, Payment Group, or manually assigned)
If the due Invoice meets the criteria listed above, a payment event is initiated in Stripe to process the charge, which is then recorded in NetSuite.
Configuring Autopay Options
To add autopay as an option to Invoice Pay, Sales Order Pay, and Statement Pay:
- Go to Setup > ZonePayments Setup > ZP Preferences
- Check the Autopay Using Customer Default checkbox
- Optionally set other autopay settings
Note: The option to “save payment method for automatic payments” is always available when making a payment for an Invoice or Sales Order that has ZP Payment Group IDs enabled.
Additional Autopay Settings
There are multiple options available for further configuration see ZP Preferences record for more information on the following settings:
- Autopay Using Customer Default Checkbox
- Autopay Date override Field ID
- Autopay Search Filter
- Auto-Payment Auth Language
- Autopay Confirmation Email Template
Customer Initiated Autopay
When a customer submits a payment, they have the option to select the Save Payment Method for Automatic Payments checkbox, which saves their payment method details in Stripe for future payment processing. Payment details are never stored in NetSuite.
When this action is initiated by the customer, they have authorized that payments are automatically processed for future Invoices issued by that line of business (subsidiary).
Q: Is it possible to customize the Saved Search evaluated by the automation ‘Process Autopay’?
A. Yes, you are able to customize several aspects of this process, including selecting a different ‘Date’ field as the Due Date, or using any additional search filters to include other Invoices for Autopay. For example, leverage the Autopay fields on the Preferences record.
Q: Can I exclude specific Invoices from the ‘Process Autopay’ automation?
A. Yes, if there is a specific Invoice that you would like to exclude from the Autopay process, check the ZP Disable Autopay checkbox under the Custom tab on the Invoice.
Q: Can customers save a payment method for multiple Invoices through Statement Pay?
A. Yes, only if autopay is fully enabled per the steps above.
Q: How do I customize the language that appears under the “save payment for future use”?
A. The language may be updated anytime under the Auto-Payment Auth Language field on the ZP Preferences record.
Q: How does my customer cancel autopay?
A. The customer must reach out to your team to remove the payment method from the customer record in Stripe.
Q: How does my Customer update their saved payment method on file?
A. When submitting a new payment for an Invoice that already has a payment method on file, the customer can select the Update Payment Method On File checkbox to update their payment details.
Q: Can customers save a payment method for future Sales Order payments?
A. Saved payment information is only used for the automatic payment of future Invoices, not future Sales Orders.
Q: Can the payment method my customer saves when paying a Sales Order automatically apply to the Invoice once the order is billed?
A. When a customer saves or updates their payment method when making a payment via Sales Order Pay, the Authorization created for that payment method will apply to the invoice. When Invoices are created from a Sales Order with a ZP Payment Group ID, the ID is retained on the invoice and any Authorization for that Payment Group will apply to the invoice for automatic payment.