--- title: An Expert Guide to Recurring Payment Processing description: Learn the four simple steps you need to master to manage recurring payment processing like a pro. image: https://blog.payjunction.com/hubfs/BLOG/FEATURED%20IMAGES/recurring-payment-processing.svg --- [tel:1-800-601-0230](tel:1-800-601-0230) 800-601-0230 - Features - Solutions - Developers - [Pricing](https://www.payjunction.com/payments/pricing.html) - Resources [See a Demo](https://www2.payjunction.com/tour-payjunction) Features - EXPLORE PRODUCTS [No-code Payments Integration®](https://www.payjunction.com/payments/no-code-payments-integration.html) [ZeroTouch Terminal](https://www.payjunction.com/payments/smart-terminal.html) [Portable Terminal](https://www.payjunction.com/payments/portable-credit-card-reader-terminal.html) - ACCEPT PAYMENTS [Invoices](https://www.payjunction.com/payments/electronic-invoices.html) [ACH Electronic Checks](https://www.payjunction.com/payments/ach-payments.html) [SmartSurcharge®](https://www.payjunction.com/payments/smart-surcharge.html) [Cards on File](https://www.payjunction.com/payments/store-credit-card-info.html) [Rapid Refunds](https://www.payjunction.com/payments/credit-card-refund.html) [Recurring Billing](https://www.payjunction.com/payments/recurring-payments.html) [Ecommerce](https://www.payjunction.com/payments/ecommerce-merchant-services.html) [Mobile App](https://itunes.apple.com/us/app/payjunction/id1324839420?ls=1&mt=8) - EXPLORE CAPABILITIES [Overview](https://www.payjunction.com/payments/payment-processing-solutions.html) [Integration Marketplace](https://integrations.payjunction.com/) [Remote Signature](https://www.payjunction.com/payments/signature-capture.html) [Multi-Location](https://www.payjunction.com/payments/enterprise-payments.html) [Sales Reports](https://www.payjunction.com/payments/sales-reports.html) [Search and Export](https://www.payjunction.com/payments/transaction-history-search.html) [Customization](https://www.payjunction.com/payments/custom-payment-software.html) Solutions - [Veterinary Streamline payment workflows and get paid faster with up-front deposits and payment schedules for high-cost procedures. 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Get automated reports for simplified end-of-day close and save on processing fees.](https://www2.payjunction.com/automotive-merchant-services) Developers - [API Documentation See how to embed omnichannel payment features into your software, using your choice of our intuitive integration methods.](https://developer.payjunction.com/) - [Developer Experience Explore the developer journey and learn how our full-service partnership model helps you maximize merchant payment adoption rates.](https://www.payjunction.com/payments/payment-api.html) - [No-code Payments Integration® Rapidly integrate payment acceptance features into any SaaS application in minutes using our easy-to-use Chrome browser extension.](https://www.payjunction.com/payments/no-code-payments-integration.html) - [Integration Marketplace Check out our growing marketplace of integrated solution partners that streamline payment acceptance and help businesses automate and scale.](https://integrations.payjunction.com/) [Pricing](https://www.payjunction.com/payments/pricing.html) Resources - [About Us Learn how our people-first culture at PayJunction helps us earn widespread recognition and awards.](https://www.payjunction.com/payments/about.html) - [Careers Join us in our pursuit to deliver exceptional experiences to customers and partners.](https://www2.payjunction.com/careers) - [Support Get helpful information about how to use features, troubleshoot problems and contact us.](https://support.payjunction.com/) - [Blog Gain useful insights into payment industry trends and PayJunction solutions.](https://blog.payjunction.com/) - [Guides Up your payment processing knowledge with our in-depth eBooks and White Papers.](https://guides.payjunction.com/) - [Tutorials Read articles and watch videos about how to use valuable features on the PayJunction platform.](https://blog.payjunction.com/topic/pj-university) # An Expert Guide to Recurring Payment Processing ![An Expert Guide to Recurring Payment Processing](https://blog.payjunction.com/hubfs/BLOG/FEATURED%20IMAGES/recurring-payment-processing.svg) [![Picture of PayJunction Team](https://blog.payjunction.com/hs-fs/hubfs/PayJunction%20Logo%20Cropped%20-%20Vertical%20Grey.png?width=48&height=48&name=PayJunction%20Logo%20Cropped%20-%20Vertical%20Grey.png) PayJunction Team](https://blog.payjunction.com/author/payjunction-team) 9/3/2019 Whether it’s ongoing subscriptions, service packages, payment installments or some other plan, recurring payment business models can be a boon for your business. After making the effort to win a customer, you are assured of regular, ongoing revenue for a predetermined period. But while it’s great to have predictable earnings coming in, handling those payments efficiently and securely can introduce challenges that might even seem to negate the top benefits of such a model for some businesses. That is, unless you learn how to manage recurring payment processing like a pro. It’s easier than you might expect if you follow this expert guide. ## Step 1: Forget About Manual Processing If your business handles a high volume of recurring payments, the first thing to do is to stop manually processing all those transactions. Manually processing recurring payments can quickly erase the benefits of this model due to the amount of time, work and organization involved. You’ll have to keep track of individual billing dates and amounts for all your customers, securely store customers’ payment information or seek them out each billing cycle to obtain their details, potentially have to seek out a new [authorization](https://blog.payjunction.com/credit-card-authorization) on each transaction, along with a slew of other requirements that can make this model anything but seamless. Even worse, something as simple as running an [ACH transaction](https://blog.payjunction.com/how-to-recieve-ach-payments/) a day early is enough to trigger a dispute. All this work could even require a dedicated employee to manage these recurring transactions. But recurring payments don’t have to be a headache if you automate them. Selecting a Merchant Service Provider that allows you to set up regular, ongoing payments automatically can relieve many of the pain points business owners experience with this model. You can simply set up a recurring transaction once and then rest assured that it will repeat automatically – securely, seamlessly, and on the schedule of your choosing. ## Payment Processing Demo Schedule 15 minutes with a payments expert Get a customized PayJunction product walk-through Understand requirements and pricing Determine your SAVINGS! GET DEMO NOW ## Step 2: Select a Provider That Makes Recurring Transactions Easy The key to automating recurring payments is selecting a provider that is capable of securely storing payment and transaction information and that is designed to handle such payments. PayJunction’s [Virtual Terminal](https://blog.payjunction.com/virtual-terminal-credit-card-processing) supports automated recurring payments by credit and debit cards, as well as [ACH](https://blog.payjunction.com/ach-payment-processing) transactions, and requires you to set up the ongoing payments and seek customer authorization just once. [Flexible scheduling](https://support.payjunction.com/hc/en-us/articles/215053398-How-do-I-schedule-a-recurring-transaction-) means you can set up transactions to be processed according to your customer agreements – whether that’s weekly, monthly or on a schedule of your choosing – and after a transaction is processed successfully, the funds are deposited directly into your account, with no bank runs required to deposit checks. Lastly, detailed, real-time notifications mean that if a transaction is declined for any reason, you’ll be alerted to the problem quickly. If it’s something as simple as new account information, you can even rerun the transaction with a single click. ## Step 3: Make Sure You Have the Necessary Customer Information to Get Started Once you have a provider that is capable of automating your recurring transactions, there is some key information that you will require from your customers in order to set up payments and protect your business from disputes and [chargebacks](https://blog.payjunction.com/fight-win-chargeback/). For starters, you’ll need your customer’s payment information and billing address as well as their authorization to process their payments on an ongoing basis. To protect your business, authorization forms should be very specific, including the amount of payment, frequency of payments and billing schedule. This form must be signed by the customer and kept on file. Because you won’t be confirming each payment with your customer, you may also want to consider enacting a policy that will cover you should a transaction fail due to a preventable problem on the customer's end. While setting up recurring payments eliminates your risk of manual processing errors – such as entering the wrong credit card number – from time-to-time you may experience a rejected payment because a customer forgets to advise you of an account change or update, such as a new expiration date or account number. As with check payments, ACH transactions can also fail due to insufficient funds. Since such failures can incur [fees](https://blog.payjunction.com/ach-processing-defined/) on your end, you may want to include terms within your recurring payment agreements with customers to address such scenarios. ## Step 4: Set It – And Forget It Once you have obtained the required information from your customer, the last step is to set up your ongoing payments. PayJunction’s user-friendly Virtual Terminal makes this easy with a straightforward payment set-up form – simply enter the card or ACH information, payment information, billing contact information and billing schedule. There’s no need to worry about authorization forms – once you’ve entered the new recurring payment, the customer is automatically emailed an authorization agreement. After they sign it electronically, it is stored securely online for easy retrieval. That’s all there is to it – when payments are processed successfully, the funds will land directly in your account. ## Ready to start accepting recurring payments? [![SPEAK WITH A SPECIALIST TODAY](https://no-cache.hubspot.com/cta/default/635739/fbe26b8f-45e5-4b38-839d-ac5052f38262.png)](https://cta-redirect.hubspot.com/cta/redirect/635739/fbe26b8f-45e5-4b38-839d-ac5052f38262) Does your business have a recurring payment model? What have you found to be the biggest hassle in implementing these ongoing payments? What have you found to be your most successful workaround? Share your tips in the comments below. [Credit Card Processing](https://blog.payjunction.com/topic/credit-card-processing) --- ##### [![4 Reasons to Use a Credit Card Machine in Your Business](https://blog.payjunction.com/hubfs/credit-card-machine.svg) 4 Reasons to Use a Credit Card Machine in Your Business](https://blog.payjunction.com/credit-card-machine) ##### [![Payment Gateway Definition](https://blog.payjunction.com/hubfs/BLOG/FEATURED%20IMAGES/payment-gateway-definition.svg) Payment Gateway Definition](https://blog.payjunction.com/payment-gateway-definition) ###### About Author ![Picture of PayJunction Team](https://blog.payjunction.com/hs-fs/hubfs/PayJunction%20Logo%20Cropped%20-%20Vertical%20Grey.png?width=200&height=200&name=PayJunction%20Logo%20Cropped%20-%20Vertical%20Grey.png) ### PayJunction Team Content written by the PayJunction team encompasses broad business topics including marketing, brick-and-mortar business operations and management. ###### Related Posts ## [![Sycamore Education and PayJunction Provide Streamlined School Management](https://blog.payjunction.com/hubfs/BLOG/FEATURED%20IMAGES/sycamore-education-payjunction.svg) Sycamore Education and PayJunction Provide Streamlined School Management Education providers, ranging from day cares to universities, have a variety of industry-specific needs. Teachers at elementary schools might need to access dietary and emergency contact information for their students, whereas administrators at a college might need to update course information for student registration.](https://blog.payjunction.com/sycamore-education-payjunction) ## [![How to Receive ACH Payments With PayJunction](https://blog.payjunction.com/hubfs/BLOG/FEATURED%20IMAGES/video-process-ach-payments.svg) How to Receive ACH Payments With PayJunction Welcome to PJ University, where we teach you how to use PayJunction like a pro. Today’s lesson is how to run an ACH payment.](https://blog.payjunction.com/video-process-ach-payments) ## [![Recurring Payment Processing: How to Automate With PayJunction](https://blog.payjunction.com/hubfs/BLOG/FEATURED%20IMAGES/recurring-billing-payjunction.svg) Recurring Payment Processing: How to Automate With PayJunction Welcome to PJ University, where we teach you how to use PayJunction like a pro. Today’s lesson is how to set up recurring payment processing.](https://blog.payjunction.com/recurring-billing-payjunction) ## Meet a Payment System You’ll Love - ###### FEATURES [No-code Payments Integration®](https://www.payjunction.com/payments/no-code-payments-integration.html) [ZeroTouch Terminal](https://www.payjunction.com/payments/smart-terminal.html) [Portable Terminal](https://www.payjunction.com/payments/portable-credit-card-reader-terminal.html) [Invoices](https://www.payjunction.com/payments/electronic-invoices.html) [ACH](https://www.payjunction.com/payments/ach-payments.html) [SmartSurcharge®](https://www.payjunction.com/payments/smart-surcharge.html) [Cards on File](https://www.payjunction.com/payments/store-credit-card-info.html) [Recurring Billing](https://www.payjunction.com/payments/recurring-payments.html) - [Ecommerce](https://www.payjunction.com/payments/ecommerce-merchant-services.html) [Customization](https://www.payjunction.com/payments/custom-payment-software.html) [Remote Signatures](https://www.payjunction.com/payments/signature-capture.html) [Rapid Refunds](https://www.payjunction.com/payments/credit-card-refund.html) [Multi-Location](https://www.payjunction.com/payments/enterprise-payments.html) [Sales Reports](https://www.payjunction.com/payments/sales-reports.html) [Search and Export](https://www.payjunction.com/payments/transaction-history-search.html) [Mobile App](https://itunes.apple.com/us/app/payjunction/id1324839420?ls=1&mt=8) - ###### BUSINESS SOLUTIONS [Auto Dealers](https://www2.payjunction.com/automotive-merchant-services) [Veterinary](https://www2.payjunction.com/payment-processing-veterinarians) [Dentistry](https://www2.payjunction.com/payment-processing-dentists) - ###### RESOURCES [Product Overview](https://www.payjunction.com/payments/payment-processing-solutions.html) [Integrations](https://integrations.payjunction.com/) [Blog](https://blog.payjunction.com/) [Guides](https://guides.payjunction.com/) [Support](https://support.payjunction.com/) [Service Status](https://status.payjunction.com/) [Tutorials](https://blog.payjunction.com/tag/pj-university/) [API](https://www.payjunction.com/payments/payment-api.html) - [Trust Center](https://trust.payjunction.com/) [Request a Demo](https://www2.payjunction.com/payjunction-demo) [Pricing](https://www.payjunction.com/payments/pricing.html) [About Us](https://www.payjunction.com/payments/about.html) [Careers *HIRING*](https://www2.payjunction.com/careers) [Press](https://media.payjunction.com/) - ###### RESOURCES [Integrations](https://integrations.payjunction.com/) [Guides](https://guides.payjunction.com/) [Tutorials](https://blog.payjunction.com/tag/pj-university/) [API](https://www.payjunction.com/payments/payment-api.html) [Request a Demo](https://www2.payjunction.com/payjunction-demo) [About Us](https://www.payjunction.com/payments/about.html) [Careers *HIRING*](https://www2.payjunction.com/careers) [Press](https://media.payjunction.com/) [Trust Center](https://trust.payjunction.com/) [Service Status](https://status.payjunction.com/) - ###### BUSINESS SOLUTIONS [Auto Dealers](https://www2.payjunction.com/automotive-merchant-services) [Veterinary](https://www2.payjunction.com/payment-processing-veterinarians) [Dentistry](https://www2.payjunction.com/payment-processing-dentists) ##### 800-601-0230 SIGN UP FOR OUR NEWSLETTER  Become a better advocate for your business. 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