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Building Blocks

Subscription Features

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Billing Features

Taxes

Payment Methods

Direct Debit Payments

Configuring Gateways

Fraud Management

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Attach Additional Data

Migration

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Other Features

API Integration

Third Party Integrations

Payment Methods: An Overview 

Introduction 

Chargebee offers you the flexibility to configure one or more of our supported payment methods per customer to best suit your business model, your country of incorporation and your customer base.

Multiple payment methods against a single customer offer both revenue assurance and flexibility. Revenue assurance in that if one payment method fails, you can rest assured that Chargebee will try another, with the least amount of hassle to you and your customers. Flexibility in that you can charge certain payments to a particular payment method and others to an alternative payment method.

Chargebee supports a host of options that will help you meet your customers' every need.

Note

Multiple payment methods are available only in selected plans. To know more, visit Chargebee's Plans and Pricing   page.

Types of Payment Methods 

Cards

Using this method, you can accept payments via credit, debit and prepaid cards. To use this payment method you should have an integration with a payment gateway supported by Chargebee and a merchant account in place. Check out how Chargebee works with your payment gateway and merchant account to process online payments.

PayPal

You can offer your customers the option to pay using their PayPal accounts. This option would be ideal for you if you have a global consumer base and customers that prefer using PayPal as a payment method. To use this payment option, you should have a PayPal Business account. Read more on configuring PayPal Express Checkout with Chargebee.

Apart from PayPal Express Checkout, Chargebee also supports other PayPal payment services like PayPal Payflow Pro and PayPal Payments Pro. Check out this overview of the PayPal Payment Services supported in Chargebee.

Amazon Payments

You can also offer your customers the option to pay using their Amazon Wallets. You need an Amazon Buyer account to set this up. Check out our Amazon Payments page for more.

Direct debit Payments

If you are a merchant based in the US, UK or Europe, you can accept payments via direct debit. Direct debit payments are processed by the ACH network in the US, by the Bacs network in the UK, SEPA in the Eurozone and the AutoGiro network in Sweden. Here is an Overview of Direct Debit Payments possible with Chargebee.

Offline Payments

You can use this payment method if you accept payments via Cash, Cheque or bank transfers. More on Offline Payments in Chargebee.

Alipay and UnionPay

AliPay is a Chinese online payment wallet. UnionPay is a Chinese card network. Together, they are competitive payment options for merchants with a global customer base. Chargebee supports both AliPay and UnionPay with the Adyen gateway. More on Adyen here.

Primary and Backup Payment Methods 

You can add multiple payment methods per customer. If Chargebee recognizes that a customer has more than one payment method, it will choose one (usually the one that has been added first) to fill the primary payment method role. Additionally, you can choose another (one of the other payment methods added) to fill the backup role - informing Chargebee of which payment method to charge should the primary payment method fail.

Primary and backup payment methods contribute to revenue assurance. If one payment method fails, Chargebee will try another with the least amount of hassle to you and your customers.

How assigning Payment Methods as primary or backup affects:

  • Dunning: In the rare event that the primary payment method and the backup payment method should both fail, Chargebee's dunning process will kick in. The Primary payment method will be retried first and if it fails again, the backup payment method will be retried. The process will be repeated as per dunning rules you set up in your site.
Note

If a payment method has been specifically assigned to a subscription, a different payment method will not be tried if the payment fails to go through.

  • Location Validation (for EU VAT):
    If you are selling within the EU, then at least one payment method that a customer adds will have to be validated by location. Check out how Chargebee handles location validation.

  • Collecting Unpaid Invoices: If an invoiced payment method remains unpaid because a customer's payment method has expired then the payment can be collected only after the customer primary payment method is updated. For more on how to assist when a customer wants to update a payment method check out this section.

Deleting Primary Payment Method

When a customer's Primary Payment Method is deleted, the Backup Payment Method of the customer becomes the new Primary Payment Method.
However, there will be customers without a Backup Payment Method. If the Primary Payment Method is deleted for such a customer, his mostly recently added payment method, which is presently valid, will become the new Primary Payment Method.

Assigning a payment method as Primary/Backup 

Once you have collected multiple payment methods for a customer, you can tag one as a Primary payment method and another as a Backup payment method.

To mark a customer's payment method as Primary/Backup:

  • Navigate to the Payment Method Details in the customer's details page

  • Click the Additional Options option against a particular payment method

  • Mark it as a Primary/Backup payment method

  • A Primary tag will appear against the payment method for future reference

Here's a screenshot for reference:

You can follow the same process to change or update the tags as you see fit (marking another payment method as primary/backup if necessary). Updating the tags will inform Chargebee which payment method to try first and which one to try in case the first fails.

Choose the Remove as Backup option to remove the backup tag. Note that if you remove the backup tag from a payment method, the payment method will not be tried if the primary payment method fails.

Payment method for a subscription 

In addition to setting payment methods as Primary and Backup, you can assign a payment method to subscriptions or use a particular payment method when collecting a one time charges. If assigned to a subscription (or subscriptions, if a customer is subscribed to more than one of your plans), Chargebee will charge the payment method for all subscription related charges due, none of the customer's other payment methods will be used (even in the event that the assigned payment method fails).

Note
  • Assigning a payment method to a subscription or to one time charges is optional. Chargebee will charge the primary payment method in all cases that an alternative has not been assigned to a particular subscription.

  • In case you assign a customer's primary payment method to a subscription, note that this payment method will be attached to the subscription even if your primary/backup tags are updated to different payment methods at a later time.

  • Auto-collection for subscriptions should be turned OFF to avoid payment failures if your customer does not have a primary payment source present. If a primary payment method is present, on the other hand, turning auto-collection for a subscription on will prompt Chargebee to collect payments for the subscription using the customer's primary payment method (or payment method assigned to the subscription) when a payment for the subscription is due. More on auto-collection for subscriptions here.

Assigning a payment method to a subscription 

A customer's primary payment method will be used for payments due in a customer's subscription(s) by default. If you would like to change this setting by assigning one of the other payment methods to a particular subscription, follow these steps:

  • Navigate to the Subscription Info section on the subscription details page

  • Click the Change option against Payment Method for this subscription

  • Choose the Payment Method you would like to use for this subscription

Refer to the following API operation to assign a payment method to a subscription via API,

Note

Once a payment method is assigned to a subscription, an alternative payment method will not be used if the assigned payment method fails.

Payment method for one time charges 

One time charges are charged using the primary payment method by default. If the primary payment method fails, the backup payment method is charged. You can override this by choosing a payment method for the charge when adding it via the web interface (as shown in the screenshot below) or by passing the payment method ID of the payment method you'd like to use for the charge via the API.

Set up (Multiple) Payment Methods for a customer 

Here are the ways to add/collect payment method details:

Via the Web Interface

To add a payment method for a customer via the web interface, navigate to the the customer's details page and click on the Add Payment Method option.

Use this option if you have the customer's payment method details handy. If you don't, check out the hosted pages section which walks you through how you can help your customer add or update payment method details themselves.

Via the API

If you are an API user, you can use the following API calls to add payment method details for a customer:

Via the Hosted Pages & Customer Portal

You can use Chargebee's hosted pages to collect or update payment method details from your customers.

If you would like to collect a new payment method from your customer, you can use:

  • Chargebee's Checkout page: Chargebee's hosted checkout page captures a customer's payment method details during the checkout process. This payment method is tagged as the customer's Primary payment method.

  • Customer Portal: The only way for your customers to add payment methods after they have checked out is using the customer portal . Your customers can also update which payment method is marked as primary in the customer portal, assigning the ‘primary payment source' tag to any payment method they see fit.

If you would like to help your customer update payment method, you can use:

  • Checkout Existing customer API call: Use the checkout existing customer   API call to update the primary payment method.

  • Update Payment method URL: To update primary payment method details after your customer has been created, you can email a Request payment method URL to your customer from within the web interface. Your customer can use this URL to update her primary payment method. To send this email out, navigate to the customer's details page and click the Request payment method (listed on the right, under Actions).

  • Customer Portal: Your customers can always manage/update their payment method information in the customer portal.

Note

The checkout existing customer API call and the Update Payment method URL are both used to update a customer's primary payment method alone. To add payment methods after checkout, a customer must make use of the customer portal.

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