Customers Overview

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What Is a Customer?

A customer record in ECRYPT stores profile information and saved payment methods. Once created, a customer can be charged directly through the API without re-collecting card or bank account details. ECRYPT automatically generates a unique ID when a customer record is saved.

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Customer Profile

Customer profiles are organized into four field groups:

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Personal Information

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Credit Card Details

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ACH Details

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Shipping Information

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Merchant-Defined Fields

Merchant-defined fields are custom fields that can be added to customer records and displayed in checkout experiences. You can create up to 21 merchant-defined fields and choose from the following field types: Merchant-defined fields are configured in your ECRYPT dashboard and returned alongside the customer profile in API responses.

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Customer Wallet

Each customer profile includes a wallet that can hold up to 4 payment methods. Both credit card and ACH payment methods are supported. All card numbers and bank account numbers are tokenized and displayed as truncated values. ECRYPT does not store raw payment data after the initial tokenization, removing your responsibility for storing sensitive payment information.

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Common Use Cases

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Charge a Customer on File

Once a customer has a saved payment method, you can charge them by referencing their customer ID and wallet token — no need to re-collect payment details. Useful for repeat purchases, invoicing, and agent-assisted payments.

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Subscriptions

Subscriptions are linked to a customer record and automatically charge a designated wallet payment method on a defined schedule. See Subscriptions.

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Installment Plans

Installment plans split a total amount into scheduled charges against a customer’s wallet. Like subscriptions, they are tied to a customer record and run automatically. See Installment Plans.

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Stored Card at Checkout

During an online checkout flow, returning customers can select a saved card from their wallet rather than re-entering payment details. This is supported through the Hosted iFrame and Checkout Page by passing a customer reference at load time.