> ## Documentation Index
> Fetch the complete documentation index at: https://docs.fikatrade.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Card payments

> How saved card payments work, who can add a card, and what happens on failure.

A customer's card can be saved against their account and used to collect future invoice payments.

## Before you begin

A card can only be added by a member of **your** team, on the customer's behalf — a customer can't add their own card from their own login. You'll need the customer's card details at hand (for example, over the phone or with the customer present).

## Steps

1. Go to the customer's payment methods and start a new card registration.
2. Enter the customer's card details in the secure card form. FikaTrade doesn't see or store the full card number or CVV — these are handled directly by FikaTrade's payment provider and only a token, the card type, last 4 digits and expiry are saved.
3. Save the card. It's now available to use for that customer's invoices.

## Using a saved card

A customer's saved card can be set as their default payment method, so it's used automatically when you collect payment on their invoices — see [How payments are collected](/supplier-guide/payments/how-payments-are-collected).

## If a card fails or expires

There's no separate "update card" flow — if a card has expired or a payment fails, remove it and add a new one using the same steps above. A failed card payment can be retried by selecting **Collect Payment** again on the invoice; see [Failed payments and retries](/supplier-guide/payments/failed-payments-and-retries).

## Refunds and disputes

FikaTrade doesn't have a refund button for card payments — see [Reversals and refunds](/supplier-guide/payments/reversals-and-refunds). Card disputes and chargebacks aren't currently shown anywhere in the supplier workspace.

## Related guides

* [PayTo payments](/supplier-guide/payments/payto-payments)
* [How payments are collected](/supplier-guide/payments/how-payments-are-collected)
* [Failed payments and retries](/supplier-guide/payments/failed-payments-and-retries)