SpectrumPayment Solutions
All terms
Security & Compliance

Card-on-File

Securely storing a customer's tokenized payment credentials for future purchases, subscriptions, or one-click checkout. Done compliantly, card-on-file boosts conversion and retention while keeping raw card data out of your hands.

Clear consent and clear descriptors are essential with card-on-file: customers should always understand when and why a stored card will be charged.

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Related terms

Security & Compliance

Tokenization

Replacing sensitive card data with a non-sensitive token that can be stored and reused safely. Tokenization lets merchants support recurring billing and one-click checkout without holding raw card numbers, reducing both risk and compliance scope.

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Payment Methods

Recurring Billing

Automatically charging a customer's stored payment method on a schedule for subscriptions or installments. Getting recurring billing right — consent, dunning, clear descriptors — protects revenue and keeps subscription disputes low.

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Security & Compliance

PCI DSS

The Payment Card Industry Data Security Standard — a set of security requirements every business handling card data must meet. Compliance protects customers and merchants and is a baseline expectation of any legitimate processing relationship.

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