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Stored payment methods require Stripe Arcus uses Stripe-hosted entry fields for saved cards and bank accounts. Manual payments such as cash, check, wire, terms, and external payments can still be recorded without a stored payment method.

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Open an Account’s Payment Methods

  1. Go to Accounts.
  2. Open the customer account.
  3. Select the Payment Methods tab.
  4. Review cards or bank accounts already on file.
  5. Use Add Method when the customer authorizes a new stored method.
Account Payment Methods tab with Add Method button and empty-state card for saved payment methods

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Add a Card or Bank Account

The add method modal supports card entry and bank account entry. Card fields are rendered through Stripe-hosted secure elements, so full card numbers are not stored in Arcus.
  1. Click Add Method.
  2. Choose Card or Bank Account.
  3. Enter the required customer-authorized details.
  4. Save the method.
  5. Confirm the method appears on the account before using it on an order.
Add Payment Method modal with Card and Bank Account options, secure Stripe card fields, and Save Card action
Only save authorized methods Save a payment method only when the customer has authorized future use. If a payment later fails because authentication is required, the customer may need to verify the method again through a customer-facing payment flow.

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Use a Stored Method on an Order

Stored methods are most useful when recording a customer payment from an order or invoice. The payment screen can use the saved method when it is valid, verified, and allowed for the payment type.
  • Card: good for immediate customer payments when the card is usable.
  • Bank account: useful for ACH-style workflows when setup is enabled.
  • Default method: helps teams pick the expected method quickly when more than one exists.
  • Manual method: use cash, check, wire, external, or terms when no stored method should be charged.
Review the payment result After charging or recording a payment, review the order payment summary and email receipt behavior before moving the order into fulfillment.

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Monitor Payment Health

Payment Health is the account-level dashboard for saved-method issues. It helps teams identify expired methods, methods expiring soon, methods needing verification, payment failures, and resolved failure history.
Accounts Payment Health dashboard with issue counts, issue filters, payment method issues table, payment failures table, and resolved failure link

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Payment Health Filters

FilterMeaningWhat to do
ExpiredA saved card is past its expiration date.Ask the customer for an updated card before charging new work.
Expiring SoonA saved card is close to expiration.Update the card proactively, especially for active customers.
Needs VerificationA bank account needs ACH verification.Complete instant verification or micro-deposit verification before using it.
FailuresRecent payments failed or require review.Open the failure, confirm reason, and decide whether to retry or use another method.

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Set Or Remove Defaults

  • Set default: use when one saved method should be offered first for future customer payments.
  • Remove method: use when the customer revokes authorization, the method is bad, or the account should stop using it.
  • Removing the default: Arcus can promote another active method to default when available.
  • Removed methods: they should not be used for new charges, but payment history remains available for audit review.

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ACH Timing

ACH payments are not the same as card payments. Bank accounts may need verification before use, and ACH settlement can take several business days. Fulfillment may be held while ACH is still processing, depending on the order and entity rules.
Do not treat an initiated ACH payment as settled cash. Review payment status before releasing high-risk orders to fulfillment.

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Common Blocks

  • Add Method is missing: check your permissions and Stripe setup.
  • Card fields do not load: check Stripe connectivity, browser blockers, and network access.
  • Payment method is not selectable: it may be expired, unverified, removed, or not allowed for that payment type.
  • ACH is unavailable: confirm bank-account setup and entity payment settings.
  • ACH verification failed: remove the bank account and add it again when the verification session is no longer valid.
  • Default method changed unexpectedly: review whether another user removed the prior default or set a new default.
  • Payment fails: review the failure reason, retry rules, customer authentication, and whether a different method is needed.

Account Management

Create customer and vendor accounts with terms, addresses, and preferences.

Contacts and Addresses

Keep billing, shipping, and contact details clean for each account.

Account Merge

Understand what happens to payment methods when duplicate accounts are merged.

Record Customer Payments

Record cash, card, ACH, check, wire, external, terms, or credit payments.

Payments and Checks Settings

Configure payment terms, payment automation, processing fees, AP check printing, and deposit slip layout.

Integrations

Connect Stripe, marketplaces, shipping, email, and other services.