Recommendations for developing billing Interface to work with tokens

When designing a user account interface for managing tokens to charge a customer's card in line with your platform's pricing plan, it's essential to focus on user experience, transparency, and error handling.

Below are key recommendations to ensure an efficient and user-friendly interface:

Automate retries for failed charges

If a charge fails due to insufficient funds or other errors, automate the retry process to increase the likelihood of successful payment.

Recommended schedule: Attempt the charge up to 7 times, with a 1-day interval between each attempt.

If all attempts fail, terminate the rebilling process and notify the user.

Notify users about retries and allow them to top up their account or update their payment method before the next attempt.

Provide a manual retry option

Include a button that allows users to manually retry a failed payment.

This empowers users to resolve issues on their own after addressing payment failures (e.g., topping up their card).

Ensure the section with this button remains accessible, even during failed transactions.

Display refunds in transaction history

If a refund is processed, make sure it is clearly displayed in the transaction history.

Include details such as the refunded amount, reason for the refund, and the associated transaction.

It improves transparency and helps users easily track their financial activity.

Allow linking of multiple cards

Enable users to add a second card as a backup payment method.

Attempt to charge the primary card first. If it fails, automatically charge the backup card.

This reduces the likelihood of payment failures, ensuring uninterrupted service for the user.

Easy access to unsubscribe

Make the unsubscribe button visible and easy to find.

Do not automatically delete a user’s saved card unless explicitly requested. This allows users to easily return and reactivate their subscription without having to re-enter card details.

Clearly display plan and charge information

Provide detailed information about charges directly in the interface.

Show the base subscription cost, applicable taxes, fees, and any other components that make up the total charge.

This reduces confusion and prevents complaints by keeping the user fully informed.

Real-time notifications

Notify users via email or in-app messages for important events, such as failed charges, refunds, or subscription renewals.