Recurring Payments with ArgoFire

ArgoFire supports fully automated recurring payments using a customer’s securely tokenized credit card or ACH account. By creating a recurring billing contract tied to a tokenized payment method, you can set up scheduled payments or subscription charges with minimal development effort and no need to store sensitive payment data.

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Key Capabilities

• Flexible Scheduling: Bill customers weekly, monthly, annually, or on custom intervals.

• Auto-Payment Processing: ArgoFire handles billing automatically based on your schedule.

• Credit Card & ACH Support: Recurring contracts can use either CcInfoKey or CheckInfoKey tokens.

• Contract Management: Update or cancel active schedules via the API.

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Recurring Payment Flow

1. Create Customer

Call the appropriate Web service to create a customer record in ArgoFire. The response includes a CustomerKey that identifies this customer for future operations.

2. Add Recurring Credit Card

Use GetToken to tokenize a customer’s credit card. The response returns a CcInfoKey along with the CustomerKey and optionally a ContractKey. Store these keys in your system to reference the customer and their payment method in subsequent transactions.

3. Add Recurring Check

Use GetCheckToken to tokenize a customer’s ACH account. The response returns a CheckInfoKey along with the CustomerKey and optionally a ContractKey. Store these keys for future recurring billing.

4. Manage Contract

Use ManageContract to create, update, or cancel recurring billing schedules. The ContractKey returned from prior steps identifies the specific recurring schedule tied to the tokenized payment method. This allows automatic billing on configured intervals (e.g., monthly, annually) without re-entering payment information.

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API Operations for Recurring Payments

Operation	Description
ManageContract	Add, update, or cancel recurring billing contracts.
ManageCustomer	Create or update the customer record associated with the recurring contract.
ManageCreditCardInfo / ManageCheckInfo	Update the token tied to a customer if payment details change.

For more details of ManageContract, ManageCustomer, and ManageCredit/CheckInfo APIs please see:

Recurring Billing & Customer Info

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Important Notes

• Billing Failures: Failed transactions (e.g., declined cards) are reported in the response. Merchants are responsible for handling follow-ups or retries.

• Customer Notifications: ArgoFire does not automatically send renewal reminders or receipts. You can use the transaction response data to trigger custom messaging.

• Token Security: Tokens used in recurring contracts are merchant-scoped and cannot be reused across unrelated merchant accounts.