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Vaulting is the term Braintree Payments uses to refer to saving a payment for future use or repeated charges, e.g., for subscriptions. You might have heard of this under other names such as tokenisation. Braintree Payments can vault credit cards and PayPal accounts that have been used successfully to pay for a purchase. Whether or not a a payment is vaulted depends on the default settings on for your site or , and User preference, if the decision is given to them. Vaulted payments are securely maintained by Braintree via tokens. You can access them a User's vaulted payments in your Braintree account.
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For your customers, the benefit of vaulting a payment is that they it's always ready to use. Users do not have to re-enter payment details each time. Vaulted cards will automatically be offered for future purchases without the need to re-enter details. And PayPal account holders do not have to login each timeAll a User has to do is select a vaulted payment option and click Process Payment. For your business, it saved payments may increase rates of completion (fewer instances of 'abandoned carts') since a vaulted payment represents fewer steps to completion.
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Vaulting options for your website are set configured in Braintree Payment Settings. There you can set the following:
- payment types (credit cards, PayPal) that can be vaulted,
- automatic vaulting when a payment is successful
- allow User to decide on vaulting
- allow User to delete a vaulted payment
- position for successful payments,
- User controls on vaulting, i.e., opt-in and deletion options,
- prioritization of the User's default vaulted option (at the top of the list).
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