Which card is on file
A restaurant has at most one card on file with each supplier: the most recently saved card that was saved through Clipp. Saving another card replaces it. There's no button to remove a card in Clipp.
Who uses it
- Supplier staff see the card in the Card on file box on every invoice for that restaurant.
- Restaurants replace the card by saving a new one through a fresh link. They can't see or remove it in Clipp.
How it works
One card per supplier and restaurant
The card belongs to the pair, not to an invoice. Corner Bistro's card with Smoove Ice Cream shows on every Smoove invoice for Corner Bistro, and on none of any other supplier's. If Corner Bistro buys from two suppliers, each supplier needs its own card on file: the card is saved in that supplier's own Stripe account.
The newest card saved through Clipp wins
Every time the box loads, Clipp asks Stripe for the restaurant's saved cards in the supplier's Stripe account and picks the most recently saved one that carries Clipp's consent. That covers cards saved:
- by the restaurant through a request link, and
- by the supplier with Enter card yourself.
A card counts as soon as Stripe saves it, even if the restaurant closed the tab before reaching "Your card is saved", or saw "We couldn’t confirm your card" because the link was replaced or expired while they were on Stripe's page.
Cards saved any other way are never shown or charged, even if they're in the same Stripe account: for example a card the supplier added in their Stripe dashboard, or a card remembered from a pay-link payment. Those carry no record of the restaurant agreeing to be charged by Clipp.
| Saved | How | On file? |
|---|---|---|
| Mastercard 5454, Oct 1 | Restaurant, through the link | Was, until Oct 9 |
| Visa 4242, Oct 9 | Supplier, Enter card yourself | Yes, the card on file |
| Amex 0005, Oct 12 | Supplier's Stripe dashboard | No, never |
Replacing a card
A new card replaces the old one as soon as it's saved by either route. The box shows it after a refresh or when the tab regains focus, any decline message from the old card is gone, and Charge is back. The old card stays in the supplier's Stripe account but is never charged by Clipp again.
While a card is on file, the box offers no way to save another one. It shows only the card and Charge: Request card on file and Enter card yourself are hidden. They come back in two situations:
| Situation | What the supplier can do |
|---|---|
| A charge was just declined in a way only a new card fixes | Click Request new card or Enter card yourself inside the red decline message (Failed charges) |
| An earlier request link is still live (sent before the card was saved) | The restaurant can still use that link; their new card takes over |
Otherwise a restaurant that wants to switch to a different, still-working card has no way to do it through Clipp.
Expired cards
Clipp doesn't check the expiry date. An expired card still shows, with its date (for example "Expires 08/24"), and Charge is still offered. Stripe declines it, and the box asks for a different card, offering Request new card and Enter card yourself (Failed charges).
Removing a card
There's no remove button for the supplier or the restaurant. The consent the restaurant agrees to says they can revoke it "by contacting {Supplier}".
- To stop charging, the supplier simply doesn't click Charge.
- Removing the card in the supplier's Stripe dashboard is outside Clipp. The box keeps showing the card, because Clipp reads it from the record of the save, which still names it. Clicking Charge then shows Stripe's own error in a red box and charges nothing (verify Stripe's wording).
- Saving a new card stops the old one being used, but the box only offers that after a decline (see Replacing a card).
What changes when a card is replaced
| Thing | Before | After a new card is saved |
|---|---|---|
| Card on file box (all the restaurant's invoices) | Mastercard ending in 5454 · Expires 03/27 | Visa ending in 4242 · Expires 06/28 |
| A waiting request link | "Waiting for the restaurant…" | Not shown while a card is on file; the link itself still works until it expires, is replaced or is used |
| Old card in Stripe | Saved | Still saved, no longer charged by Clipp |
| Money, invoices, books | — | No change |
| Emails, SMS, push | — | None |
Decisions
- Clipp stores no card details. Stripe holds the card and the consent; Clipp reads them each time. (#2397)
- Only cards saved through Clipp's consent are charged. A card added in the Stripe dashboard has no consent behind it and would lose a dispute. (#2397)
- The newest consented card wins. Saving a new card is how a restaurant replaces a lost or expired one. (#2397)
Known limitations
- No way to remove a card in Clipp, for supplier or restaurant.
- Expired cards aren't flagged before charging.
- No way to swap a working card. Request and Enter card are hidden while a card is on file; see Replacing a card.
- Restaurants can't see which card a supplier holds.
- If the supplier reconnects a different Stripe account, card on file stops working for every restaurant that already had a Stripe customer: Clipp keeps looking the restaurant up under the old account's customer. The box shows only its title and Refresh, and new requests and Enter card yourself fail too, until Clipp support clears the stored customer (verify Stripe's response to an unknown customer).
FAQ
The restaurant gave me a new card. How do I swap it? If the current card was just declined, use Request new card or Enter card yourself in the decline message; the new card replaces the old one at once. If the current card still works, the box offers no button for it (see Replacing a card); contact Clipp support.
The restaurant asked us to stop charging their card. What do I do? Stop clicking Charge for them. Clipp has no remove button; if they want the card deleted, it has to be removed from your Stripe account.
Why doesn't the card I added in Stripe show up? Clipp only charges cards saved through its own page, where the restaurant's (or your) authorization is recorded. Use Enter card yourself instead (offered while no card is on file, or after a decline).