Reusable payment methods

Created on 31 December 2020, almost 4 years ago

Updated 21 August 2024, 3 months ago

Commerce recurring does not mandate a reusable payment method

That's a bit surprising because there is also not a robust way to give a new payment method each time a subscription fails. There's no process for failures which take users to an opportunity to pay again. The closest there is is dunning, but I think that only offers users with accounts the chance to add a new payment method - so not anonymous purchasers.

On my installation this also doesn't give access to all the payment methods. This may be an issue with GoCardless gateway rather than Commerce.

Ideally when a payment capture fails in closing an order, then the user should be offered a cart with a unique ID, to pay for the subscription renewal. This would mean that reusable payment methods were not necessary.

The default during purchase should be to only show payment options that are re-usable. If non-reusable methods are acceptable to the site owner, then it should take user action to show those, imo.

I think a good first step would be to have a checkbox setting on recurring products for 'Payment method must be reusable'.

✨ Feature request

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Code

Created by

🇬🇧United Kingdom Jeff Veit

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Comment 3 months ago →
🇳🇴Norway zaporylie
Completely agree that this is needed for certain types of subscriptions and therefore I added a Release blocker tag. Some groundwork must be laid down in the Commerce module as currently, we don't have a meaning to force only certain types of payment methods (in this case, the reusable). Currently, we don't even force collecting payment methods; most offsite payment gateway may not create one by default. And the last piece of intel - we currently don't collect payment methods whatsoever on zero balance orders, including free trials.

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