Vault & network tokens
Store eligible credentials and payment history for recurring charges and one-click offers. Plan continuity across compatible rails.
Inspect payment railsPayments
Every purchase.
One payment foundation.
Keep the first purchase, the next offer and every renewal working together. Use Agent Mercer Payments or connect supported providers.
Available methods, currencies and settlement depend on your provider setup.
Mercer’s judgmentRecover the payment. Preserve the agreement.
Inspect the renewal problem and the recovery path without quietly changing the customer’s price or cadence.
Demo setupThe customer chooses how to pay.
- CustomerApproves the purchase
- StripeInitial card charge
- OrderCreated once
- Cards & wallets
- Card, Apple Pay or Google Pay where supported.
- Bank authentication
- Smart 3DS when required for the initial payment.
- PayPal
- A separate approval flow and agreement.
The next offer carries the order context.
- Paid orderOriginal order retained
- CredentialEligible saved method
- New offerCustomer accepts
- Before acceptance
- Show the offer price and one-time or recurring terms.
- If accepted
- Add the paid offer line using a supported credential.
- If declined
- No extra charge. Continue to the next eligible offer.
The agreement determines the next charge.
- Card planExisting terms retained
- AirwallexExclusive rebill rail
- RenewalScheduled charge
- PayPal renewals
- Remain with PayPal under their separate agreement.
- Inactive card rail
- Hold affected billing until the route is ready.
- Recovery
- Classify the failure before retrying. Hard declines stop.
Vault + network tokens
Eligible credentials, consent and original transaction references. Compatibility depends on the receiving provider.
Connected providers & methods
From the first payment
to the next renewal.
Give each next charge the customer agreement and payment history it needs.
Recovery & continuity
Configure renewal retries and reminders. Pause affected billing when a provider is unavailable, then coordinate the next step.
Explore renewal recoveryGet the setup right
Get help with merchant accounts, KYC preparation, provider coordination, migration and your launch plan.
Explore setup & feesBuilt around your setup.
Providers, credentials, recovery and fees. Explore the details that matter to your business.
Which providers and methods can I use?
Agent Mercer Payments brings cards and supported wallets into the platform. Stripe, Adyen and Airwallex are part of the connected payment setup; NMI supports continuity configurations. Airwallex offers multi-currency settlement options, subject to your account setup. Apple Pay and Google Pay availability depends on the selected provider and device. PayPal remains a separate wallet flow.
What does network-token continuity include?
The vault connects eligible credentials with network transaction references and customer-initiated to merchant-initiated payment history (CIT → MIT). A network token, a wallet device token (DPAN) and a processor token are different credential types. Portability depends on the credential and receiving rail. PayPal credentials remain with PayPal.
What happens if a payment or processor fails?
Configured retries and reminders handle unsuccessful renewals. Billing can pause while the team arranges a compatible path to resume. Our approach prioritizes strong merchant accounts rather than repeated cascading across weak accounts. Processing approval and replacement-rail eligibility remain with the provider.
How do setup and fees work?
We help with applications, KYC preparation, processor representatives, migration and volume ramp planning. Platform, transaction and network-token fees are separated on the pricing page; processing terms depend on your agreement. No approval rate or recovery result is guaranteed.
View platform pricing →Connect your payments.
We’ll map the providers, methods and billing flows you need.