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authorization for charging RMR on credit card
October 22, 2018
authorization for charging RMR on credit card
    If we accept credit card payments by phone, and the customer asks us to charge his card automatically for his recurring billing, do we have to have that request in writing? Or is the verbal agreement and the giving of the card information good enough?
    You must have written authorization if you are going to charge your subscriber's credit card for recurring charges. You should also stop charging if your subscriber withdraws the authorization. Last thing you want is a charge-back from the credit card company. It's one thing to charge for services already rendered and accepted by the subscriber, and another if you hit the card for future recurring charges. 
    I've recommended SkyBank Financial for your credit card processing company. SkyBank has created a program for billing and charging recurring revenue for the alarm industry, and the cost is FREE. I know many alarm companies are using the program and SkyBank and I've heard no complaints. I asked Skybank's president, Tom Aronica to comment on the need for written authorization, and his response is below. Be sure to check out Biller Genie for your billing and charging recurring revenue. You can find it here:
    For recurring transactions, you want to have their authorization on file, either through a written form or their consent through a web-form online. Signed contracts are especially important in recurring billing to help protect a business in the event of a charge-back. Your customer contract should include a clear explanation of how the recurring billing works, including when accounts are billed, what happens to the customer’s account in the event of repeated declines, and how the agreement can be terminated. We provide these templates to our clients and the new Customer Portal in Biller Genie will make it so your customers can easily setup recurring billing online.
With Gratitude,
Thomas J. Aronica, CPP, Chief Executive Officer
Miami Shores, FL 33138

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Ken Kirschenbaum,Esq
Kirschenbaum & Kirschenbaum PC
Attorneys at Law
200 Garden City Plaza
Garden City, NY 11530
516 747 6700 x 301
516 747 6700