Member Avatar for BenDover420

I need to set up a CC system that would rebill a set amount when the account balance becomes low.

Here's an example:

A client pre-pays $500 for leads.

He starts getting leads.

When the account is drawn down to $50 - his CC is re-charged $500 similar to the way that Yahoo! Search or Overture does.

Anyone aware of an application that does this?

Ben

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asked for an automatic top-up flow (prepay $500, rebill $500 when balance hits $50). pointed toward handling this in the billing layer rather than expecting the card processor alone to manage balances, and noted many gateways can be used to implement the behavior. Below is a concise, practical plan and checklist to evaluate or build a reliable auto-replenish solution.

A simple, robust workflow:

  • Collect explicit customer consent to automatic replenishment and tokenize the card (no raw PAN storage).
  • Charge the initial $500 and create an internal ledger for the account.
  • Monitor consumption; when balance <= threshold ($50), create a new charge for $500 against the stored token.
  • On success, credit the account; on failure, run a retry/backoff policy and notify the client to update payment details.

Example pseudocode:

if account.balance <= threshold:
    result = gateway.charge(token, topup_amount)
    if result.success:
        account.balance += topup_amount
    else:
        schedule_retry(account, token)
        notify_customer_payment_failed(account)

Essential features to require from a gateway or billing engine:

  • Tokenization / card vault and stored-credential (merchant-initiated) support.
  • API-driven charges and webhooks for success/fail events.
  • Configurable retry rules for declines and full sandbox testing.
  • PCI-compliant handling (do not store full card numbers) and strong-customer-authentication (SCA) support where applicable.
  • Transaction reporting, refunds/chargeback handling, and easy access to settlement data.

Cautions and operational notes:

  • Make the automatic-topup terms and refund policy explicit at signup; keep signed consent records.
  • Handle card expiry and lookups so failed top-ups don’t interrupt service unexpectedly.
  • Test all decline paths and reconciliation between leads delivered and funds consumed.
  • If avoiding in-house PCI scope is a priority, choose a provider offering hosted vault/tokenization and server-to-server APIs.

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Member Avatar for Dani

I don't think it is a credit card system that you need but rather a pay per click management system with a built-in payment gateway.

Member Avatar for Corey Bryant

You might check out 2000charge.com - their gateway might be configured for that type of puporse. If not Netbilling might be able to but only use them as a last resort since they are not CISP compliant.

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