You're viewing documentation for our latest API. This will not impact your integration, but you will need the documentation relevant to you. If you have an account with Checkout.com you have received an email confirming which version to use.
The aim of these requirements is to promote an enhanced and transparent customer experience. If you offer subscriptions or process unscheduled payments, you will need to comply with these requirements.
The cardholder must expressly consent to sign up for the subscription and payment.
When signing up for the subscription, cardholders must receive terms and conditions which must include:
the start date
the details of goods or services
the transaction amount
the billing frequency and date
a mechanism to cancel
In the European Economic Area (EEA) region, you must provide this notification within two business days of setting up the agreement.
For trial periods, cardholder must be notified at least seven days before a trial or introductory offer will end, and be given the option to cancel.
For subscriptions where the billing frequency is every six months or more, cardholders must receive a reminder at least seven days prior to the next billing date. The reminder must include the subscription terms, and clear instructions on how to cancel.
Cardholders must receive a receipt or confirmation stating the transaction amount, transaction date, and instructions on how to cancel after each successful authorisation.
If a trial period, confirmation must include length of trial/introductory offer and clearly state that, following the trial, the cardholder will be charged unless subscription is canceled.
A descriptor indicating the end of a trial period is recommended in the Merchant Name field for the first financial transaction. For example, 'end trial'. Learn more about dynamic descriptors.
Cardholders must have an easy way to cancel a subscription, and you must disclose this when they sign up for the subscription.
Unscheduled transactions are transactions that use a stored credential for a fixed or variable amount that does not occur on a scheduled or regularly occurring transaction date. For example, where the consumer consented for the merchant to initiate one or more future transactions.
The cardholder must:
expressly consent to sign up for unscheduled transactions to be taken from their account
agree to the storing of their card details for this purpose
When signing up to store their card details on file, cardholders must receive terms and conditions. These must include how the card details will be used (for example, an automatic top up for a mobile phone when it falls below a minimum amount).
In the EEA region, you must provide notification to the cardholder of any change to the transaction amount or any other terms of the agreement at least two working days before the change.
After each successful authorization, cardholders must receive a receipt or confirmation stating the transaction amount and transaction date.
For the first financial transaction, a descriptor indicating the end of a trial period is recommended in the Merchant Name field. For example, 'mobile balance top up'. Learn more about dynamic descriptors.
Cardholders must have an easy way to cancel an agreement to take unscheduled charges from their account. You must disclose this when they sign up for the agreement.