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Require Clients to Maintain a Valid Payment Method on File

Feature Request

We’d like to request a feature that prevents clients from removing their payment method on file unless a new valid payment method is added first.

Right now, clients enrolled in auto-pay can remove their saved payment method entirely, which effectively disables auto-pay and bypasses our service agreement terms—particularly our 30-day cancellation policy. This creates unnecessary billing issues and service confusion.

Ideally, the system would:

  • Require clients to always have one valid payment method on file

  • Block the removal of a payment method unless a replacement is entered first

  • Ensure auto-pay remains uninterrupted unless service is properly canceled

This small change would make a big difference in protecting recurring revenue and honoring agreed-upon terms.

Appreciate the consideration!

Posted by rob ·
6 comments

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Comments6

  • Scott@HaselkornInc.com

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    Mar 25

    This is part of my MSA. We should be able to turn this on and off, just like we can enable or disable clients' ability to edit auto-pay settings.

  • rob

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    Jun 11, 2025

    Hey team, we just had a client (still under contract) delete their payment method, and their account is overdue. This feature would fix that.

    https://app.alternativepayments.io/dashboard/customers/1014eee6-38c1-41d2-bdb4-2121d9bec408?pageTab=profile

  • joe

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    May 7, 2025

    Yes agreed this is a needed update. You could offer it as an account level setting (opt-in) so that backwards compatibility isn’t an issue.

  • Karrie Hufft

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    May 7, 2025

    Just had a client sign up for Auto Pay and then removed his payment method. This feature would be very helpful. Thanks!

  • rob

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    Apr 10, 2025

    Just to clarify why this matters:

    When a client removes their only payment method, it disables auto-pay—even if they’re still under contract. That opens the door to missed payments and confusion around cancellation terms. A simple fix here would prevent a lot of billing headaches.