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Must know
  • The full card number is never stored on your side — it’s tokenized by the payment processor, and only the brand, last 4 digits, and expiry are kept for display.
  • Guardians add and manage their own payment method in their account. You can’t key a family’s card in on their behalf.
  • A card added from the billing page (or a payment-method prompt) is verified through a $0 authorization — a temporary check, not a charge. A card saved during checkout is verified as part of that real payment instead.
  • Depending on your region, families can also save a bank account — shown as Bank Account (ACH) in the US or Pre-authorized Debit (PAD) in Canada — and recurring charges bill it just like a card.
Every recurring charge needs a saved payment method to run against. Those stored payment methods — usually a card, and in some regions a bank account — are what families save in their own accounts, and they’re what your Recurring Billing page bills.

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How they’re stored

When a guardian saves a card, it’s tokenized and held securely by the payment processor. Your club only ever sees the safe display details — brand, last four, and expiry — so there’s no sensitive card data sitting in your system.

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Who adds them

Families add their card themselves during checkout or from their billing page, and they manage it there too (set a default, remove it, add a new one). Where bank payments are offered, a family can save a bank account the same way — at checkout or from the billing page’s Add Payment Method dialog. Because the payment method belongs to the guardian’s account, there’s no admin screen to type one in for them — if a family has nothing saved, the fix is for them to add one.

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What you see as an admin

On the Recurring Billing page, the Payment Method column shows each charge’s saved payment method (a card’s brand and last 4, or the family’s bank account). When nothing is on file it reads No payment method in yellow — a clear signal that charge can’t run until the family saves one. A weekly sync can refresh stored card details, but only for families with a charge that recently failed or is due soon — it isn’t an instant, universal update. So if a card expires or a bank reissues it and a charge starts failing, the reliable fix is for the family to add the new card. Related: What are recurring charges? · What happens when a recurring charge fails? · Save a card or payment method