Auto-Deduct

Auto-Deduct lets you charge a customer's saved card whenever payment is due. Your customer authorizes their card once. After that, there's no card re-entry or OTP for each charge.

It suits businesses that bill the same customers again and again, such as memberships, retainers and fees. You can save your customers' cards from your dashboard or through the Billplz API. Charges are triggered through the API, so you'll need a developer or a system connected to Billplz.

What your customer sees

Your customer authorizes their card once, on a secure Billplz page. They enter their card number, expiry date, security code and cardholder name, then click Authorize.

That's the only step for them. Later charges go through without card re-entry or OTP. Your customer's bank notifies them of each deduction as usual.

How it works

1. Authorize: once. Your customer's card details are entered on the Billplz authorization page, which you reach from your dashboard or your system. Once authorized, the card is saved securely for future charges.
2. Charge: when payment is due. Your system tells Billplz how much to charge, and Billplz charges the saved card. You decide when and how much.
3. Revoke: anytime. Revoke the agreement and all future charges stop. The saved card can no longer be charged.

Save a card in the dashboard

1. Go to Settings > Account Settings > Credit Cards and click Add New Card.
2. Enter the Cardholder Name, Phone Number and Email Address. Add a Reference Description to help you recognize the card later.
3. Tick the consent box and click Confirm.
4. On the Billplz authorization page, enter the card details and click Authorize.

The card appears under Credit Cards with its status and last 4 digits. To save cards from your own website or app instead, your developer can use the V5 Agreement API.

Who Auto-Deduct is for

• Memberships and renewals: charge members monthly or annually without chasing payment
• Retainers and regular services: charge regular clients when each invoice is due
• Tuition, rent and other fees: collect fees from a saved card instead of sending a new payment request each time

What you need

• A developer or connected system to charge cards. You can save cards from your dashboard, but each charge is triggered through the Billplz API.
• Your own timing. Billplz doesn't schedule charges. Your system decides when each charge happens.
• Card payments. Auto-Deduct works with Visa and Mastercard, for both MYR and non-MYR cards. FPX, Wallet and other payment methods aren't supported.

Auto-Deduct is available to all Billplz merchants. You don't need to request access.

Rates and payouts

Auto-Deduct has its own transaction fees, based on your membership plan and whether the card is MYR or non-MYR. See Pricing for current rates.

Auto-Deduct payouts reach your account in T+2 business days, the same as card payments.

Stopping charges

You can revoke an agreement at any time, from your system through the API or from your Billplz dashboard. Your customers' saved cards are listed under Settings > Account Settings > Credit Cards, showing each card's status and last 4 digits.

To revoke from your dashboard:

1. Go to Settings > Account Settings > Credit Cards.
2. Click Revoke on the customer's card.
3. Click OK to confirm.

Once revoked, the saved card can no longer be charged.

If your customer wants to continue after a revoke, they need to authorize their card again.

For developers

Auto-Deduct uses the V5 Agreement API: create an Agreement, redirect your customer to authorize, then call Auto-Deduct against a Bill whenever payment is due. Revoke stops future charges. Agreement statuses, endpoints, callbacks and error codes are in the V5 Agreement API documentation.