Invoicing & Payments · updated 2026-08-16
When a customer has paid online before, Stripe can keep their card securely saved. You can then settle an unpaid invoice by charging that card directly, after an explicit authorization confirmation.
On an unpaid order where a card is on file, a "Charge Card" button appears showing the last four digits of the saved card. In Order History the action is labeled "Charge Card on File".
The "Charge card on file" dialog warns: "Review carefully: this will charge the customer's saved card immediately." It shows the card and the exact amount to charge.
Check the confirmations stating you have authorization from the customer and that you understand the charge is final and immediate, and that you take responsibility for any chargebacks or disputes.
Click "Charge". A confirmation shows the card that was charged.
A "Charge failed" message shows the reason. Send a payment link instead so the customer can pay with another card.
Two possible reasons: your company has not connected Stripe yet (card charging requires it; a "Get paid online by card" invitation appears in its place), or the customer has no saved card. Cards are saved securely by Stripe when a customer pays online for the first time; until then, use "Send Payment Link" or send the invoice without a link.
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