Create New Customersanchor

There are a couple of different ways you can create a Vault record in the Control Panel:

  • By checking the box next to Store in Vault when creating a transaction
  • By selecting Vault in the navigation bar and clicking the New Customer button

You can also add customers to the Vault via the API.

New record requirementsanchor

When creating a new Vault record in the Control Panel, you will select whether you want to save the customer with a payment method or without one. If you do include a payment method, you are required to provide the following information:

  • Credit card number
  • Expiration date

While those are the only required fields, we strongly recommend collecting additional information – even if you do not include a payment method in the Vault record. Having as much information as possible can help you when it comes to:

  • Fraud detection and mitigation
  • Lowering processing costs
  • Making customer service easier for you
  • Winning dispute cases for chargebacks

Customer detailsanchor

The customer details we recommend collecting are:

  • First name
  • Last name
  • Phone number
  • Email address

Payment method detailsanchor


At this time, only credit card payment methods can be stored in the Vault via the Control Panel. Other payment methods must be stored via the API.

Required fields for storing payment method details are:

  • Credit card number
  • Expiration date

We recommend also verifying the card when saving a credit or debit card with the Vault record. If you have more than one merchant account and have card verification enabled, you can select which merchant account will verify the card in this section.


Depending on your account setup, you may also be required to include a card's CVV when you create a new Vault record. While the CVV may be required to create the Vault record, we will never store this value.

Billing addressanchor

To add an address to the customer record, check the box next to Create a New Address under Billing Address Details. This address will be used for any applicable Address Verification (AVS) rules you have configured. We recommend storing the following:

  • Street address
  • Zip code