Store Cards Securely.
Charge on Demand.

Tokenise customer cards once and bill them whenever you need to — subscriptions, repeat purchases, deposits, and usage-based charges — all without handling sensitive card data.

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What is a Card Vault?

A card vault replaces sensitive card numbers with secure tokens, so you can
charge returning customers without ever storing or seeing their card details.

PCI Compliance, Solved

Card details are captured on Kwik's PCI DSS Level 1 compliant infrastructure and replaced with tokens — dramatically reducing your compliance scope and risk.

Frictionless Repeat Billing

Charge returning customers instantly without asking them to re-enter card details — powering one-click purchases and seamless renewals.

Higher Payment Success

Automatic cascade through fallback cards means a single declined card no longer costs you the sale — or the subscriber.

Built for Recurring Revenue

Vaulted cards power Kwik subscriptions, automated collections, and scheduled billing — the foundation of predictable cash flow.

Reduced Involuntary Churn

Fallback cards and smart retry logic recover failed subscription payments before they turn into cancelled customers.

Full Audit Trail

Every card event and charge attempt is logged and delivered via signed webhooks for complete visibility and reconciliation.

One Vault, Every Billing Model

Store a card once and use it everywhere — instant charges, pre-authorised holds, subscriptions, and customer self-service — all from the same secure vault.

Secure Card Storage

Send customers a hosted card vault link where they safely store their card, verified with 3D Secure. Charge an optional once-off activation fee, generate an invoice automatically, and receive a webhook the moment the card is ready to bill.

Hosted Card Capture
Send customers a secure, branded page to save their card — no PCI burden on your side, and card details never touch your servers.
3D Secure Verified
Every stored card is verified with a 3D Secure authenticated transaction, giving you a scheme-compliant authentication reference for future charges.
Optional Activation Fee
Charge a once-off fee when a card is stored — perfect for activation, joining, or verification fees — with automatic invoicing.

Charge Stored Cards Instantly

Bill customers server-to-server whenever payment is due — no checkout, no redirect, no customer action. Target a specific card or let Kwik cascade through the customer's cards in priority order until the charge succeeds, with invoices generated and sent automatically.

One-Call Charges
Charge a customer's stored cards server-to-server with a single API call — no checkout page, no customer interaction required.
Automatic Card Cascade
When the default card declines, Kwik automatically retries the customer's fallback cards in priority order — recovering payments that would otherwise fail.
MIT Scheme Compliance
Merchant-initiated transactions are processed without a 3DS challenge, using the original storage authentication for full scheme compliance.

Pre-Authorise, Then Capture

Reserve funds on a customer's card before you commit. Perfect for hotel bookings, vehicle rentals, deposits, and pay-as-you-go services — place the hold today, then capture the exact amount owed when the job is done, or reverse it entirely.

Reserve Now, Settle Later
Place a hold on a customer's card and only capture the funds when you deliver — ideal for bookings, deposits, rentals, and usage-based billing.
Partial Captures
Capture the full hold or just part of it. Uncaptured holds are automatically released after the expiry you set — up to 30 days.
Reverse Anytime
Cancel a hold with a single API call and the funds are released back to the cardholder immediately — no refund fees, no waiting.

Let Customers Manage Their Own Cards

Share a secure manage-cards link and customers can add new cards, remove old ones, set their default, and reorder fallbacks themselves — every new card verified with the same 3D Secure flow, every change reported to you in real time.

Self-Service Card Management
Give customers a secure page to add, remove, and reorder their cards, and choose their default — without contacting support.
Duplicate & Limit Controls
Prevent duplicate cards on a profile and cap the number of stored cards per customer with built-in vault rules.
Real-Time Webhooks
Stay in sync with card.stored, card.removed, and card.default_changed events delivered straight to your systems.

Let`s do business

Why Kwik Card Vault?

Zero Card Data Liability

Cards are tokenised and stored on PCI DSS Level 1 compliant infrastructure — your systems never touch a card number.

Recover More Revenue

Automatic cascade through fallback cards turns declined payments into successful collections.

Every Billing Model Covered

Instant charges, pre-auth holds, partial captures, and subscriptions — all from one vault and one API.

Developer-First Integration

Clean REST APIs, signed webhooks, idempotent retries, and a full test environment get you live fast.

Put your card billing on autopilot!

Store cards once, charge on demand, and recover failed payments automatically — all with bank-level security.