# Registered Cards 2019
With integrated credit card processing enabled, bidders will be able to have a registered credit card that can be charged in the future without having to re-enter their card details.
When a card is registered, the details of the card (card#, expiry, etc.) are securely stored with your payment provider and tied directly to that account. Auctria does not see, or store, the card details directly. We only have a "token" that represents the credit card and it can only be used to charge it through your account.
It is not possible for you to retrieve the full card details again, either through Auctria or from the payment processor. You can charge the card (and refund charges) but only see the card type and last 4 digits of the card number.
# Registering Cards Online
# With Purchases
If a bidder is purchasing tickets online, by default they will see an option to save their credit card on the payment step. This option is checked by default (though you can changed that under Website -> Bidder Registration).
It is not possible to require the bidder must save their card during this step. We've found that some guests are reluctant to save a credit card online (or may not want the card they are using for ticket purchases saved for later).
# Without Purchases
If bidders are registering in an online only event, without having to make a payment, they will still be prompted to register a card. In this case, the bidder can click on Skip button to register without saving a credit card.
There is an option in the Purchase/Registration element's Settings dialog to require a registered card, in this case, but we do not recommend using it -- see the discussion on requiring a registered card below.
# Requiring a Registered Card
There is a setting under Website -> Online Bidding to require a registered card in order to place a bid:
This option is turned off by default.
If you enable this option then bidders without a registered card will instead be prompted to register one before placing a bid online.
# Should this be enabled?
Many times groups want to enable this option to ensure that they have a way to charge the winning bidder at the end of the event.
While this is a valid concern, we've also seen that requiring a card will put some bidders off from registering and hence bidding, so you may get less participation in the event by enabling this.
You will need to weigh the possibility of a bidder not being willing to pay at the end of the event with the possibility of getting less bidder participation. We have not seen bidders reneging on winning bids be a significant problem, and having a registered card won't necessarily prevent this, since a malicious bidder could dispute the credit card charge (though again this is a very rare occurrence).
Without a registered card you can still send a bidder statement at the end of the event with a Pay Online link that bidders can use to pay by credit card once they have won something.
A registered card is not a guarantee that the card can be charged for a specific amount at the end: it would still be possible for a charge to be declined if the card has expired or is over the credit limit.
Making bidder participation as smooth as possible if the best way to maximize the fundraisers benefits.