Work with Stored Payment Profiles

Updated at May 26, 2026
By Kali Patrick

Table of Contents

Prerequisites Create a New Payment Profile Edit or Delete a Stored Payment Profile About the Status Indicators Use Stored Payment Profiles

A Stored Payment Profile is saved payment information for a customer Organization, such as a credit card or bank account information (ACH). Use Stored Payment Profiles to collect one-time invoice payments or to automatically charge for recurring invoices.

Syncro prioritizes security by never storing sensitive credit card data. Instead, we securely transmit payment details to the gateway, retaining only a “Nickname” and a “Profile ID” for reference.

Tip: Save time by allowing customers to manage their own Stored Payment Profiles through the End User Portal, rather than handling them yourself from the Organization Details Page. For more information, refer to the End User Portal documentation.

Prerequisites

You must integrate Syncro with a payment processor before you can see and store payment information for your Organizations in a profile.
You may also want to set up payment notifications. See the available options in the Payments section of the Notification Events Reference.

Create a New Payment Profile

To create a payment profile for an Organization, follow these steps:

Syncro Payments

Navigate to the Organizations tab, then select a specific Organization to open their Details Page.
Scroll to the “Stored Payment Profiles” section:
Click +New. The New Stored Payment Method page displays and defaults to Card:
1. Enter the requested credit card information.
2. Click Save Payment Profile. The new profile appears in the Stored Payment Profiles section and is ready for use.
If your client prefers to save a bank account for ACH, we recommend they use the End User Portal to speed up the authorization process. However, you can also manually add it for them:
1. Choose “US Bank Account":
2. Click the “Enter bank details manually” link.
3. In the window that displays, enter their routing number and account number, then click Submit:
  
  The new profile appears in the Stored Payment Profiles section, with a "Click to Verify" status.
4. The End User must “Click to Verify” in the End User Portal by entering the deposit amount and code. You can also do this for them:
  
  Once this is done, the Stored Payment Profile is ready for use.
  IMPORTANT: If the verification is not done within 10 business days, the Stored Payment Profile becomes invalid and must be re-created.

Other Payment Processors

Navigate to the Organizations tab, then select a specific Organization to open their Details Page.
Scroll to the “Stored Payment Profiles” section:
Click +New. The New Stored Payment Method page displays:

Note: The “Via Credit Card” subtab appears for Syncro-Stripe integrations. A "Via ACH" subtab appears for Syncro-Worldpay integrations, and a “Via Authorize” subtab appears for Syncro- Authorize.net integrations.
Enter the requested credit card or bank information, then click Store Payment Profile.
On the next screen, provide the additional information:

Optionally change the Nickname.
Update the Expiration Date to the correct month and year. (Because Syncro doesn't store any credit card data, this field defaults to the current month and year. If you do not change this manually, Expiring Payment Profile Reminders may not work as expected.)
Click Save. The new profile appears in the Stored Payment Profiles section.

Note: Stored Payment Profiles are tied to the gateway that was active when they were created. Designating a new Primary gateway does not move or reassign existing profiles—they remain on their original gateway and continue processing there.

Edit or Delete a Stored Payment Profile

To edit or delete a payment profile for an Organization, follow these steps:

Navigate to the Organizations tab, then select a specific Organization to open their Details Page.
Scroll to the “Stored Payment Profiles” section:
The Nickname and Expiration Date fields are inline editable. Just click and type to change them.
To delete a Stored Payment Profile, click the red X next to it, then click OK. The payment profile will automatically be removed from any recurring invoices.

About the Status Indicators

The Type field in the Stored Payment Profile section contains status indicators, some of which indicate you need to take action:

Click to Verify: Applies to manually-entered ACH/bank payment profiles only. The customer can verify via the End User Portal or you can do it here if you have their deposit amount and code.
Needs Update: Indicates a credit card is nearing expiration and requires a new payment profile to ensure continued service.
Expired: Signals a card is permanently deactivated by the gateway; it cannot be edited and must be replaced with a new profile.
Inactive: Indicates the profile was disabled by the gateway for non-expiry reasons, such as security flags or bank-side cancellations.

Use Stored Payment Profiles

If your client has Stored Payment Profiles, you can select one to process a charge. You can access these profiles in the following three locations:

When you select “Card” as the Payment Method, Syncro displays the “Use a Stored Payment Profile” dropdown menu:
See also: Manage Invoice Payments.
When you set up a Recurring Invoice, Syncro displays the “Auto Charge Payment Profile on File” box in the Billing section. Check it and then select one from the Payment Profile to Use dropdown:
When you select “Make Recurring” from an existing invoice, the "Card to Use" dropdown displays all stored payment methods except manual ACH profiles that are still awaiting verification:

See also: Create a Recurring Invoice.