SmartBill Pro
Optimize how you manage recurring payments, so you can focus on running your business.
Would you like to help reduce the time that’s spent chasing down declined transactions for recurring or card-on-file payments?
American Express SmartBill Pro helps save you time. Rather than having to perform card updates, authorization and submission processing as three separate tasks, you can just send your batch file and SmartBill Pro will gather the latest card details, authorize the charges and process them for settlement all in one step.
American Express SmartBill Pro includes CardRefresher capabilities. When you send American Express transactions for processing, the most up-to-date card details from CardRefresher are used to process the transactions, minimizing the chance of declines due to outdated card details.
See how SmartBill Pro simplifies recurring and card-on-file payments.
Uninterrupted Billing
Use integrated card updates* to help reduce payment decline and maintain continuity of billing. This can help facilitate more consistent cash flow over time.
Direct-Connect Processing
Send transactions directly to American Express by uploading your batch file to a secure site—bypassing third-party processors and complicated technology/terminals for processing transactions.
Data Security
Replace sensitive card numbers with Customer Account Numbers—removing the need to store card numbers on your system when you bill your customers.
Simplified Operations
Process charges in a single step rather than three separate steps, process mass numbers of transactions in one file and reduce operational costs related to managing failed payments.
*SmartBill Pro processes payments using updated account information when a Card Member agrees for you: 1) to charge his/her account at regular intervals and/or 2) to store his/her account number and charge the account when the Card Member requests a product or service (i.e. Card-on-File). Card information updates are only available for American Express Proprietary issued cards.
Contact your American Express representative (or use the Contact Us button below) to explore how SmartBill Pro can benefit your business.
Integrate the American Express SmartBill Pro file format with your system.
Begin processing American Express recurring payments by sending the batch file via SmartBill Pro.
Frequently Asked Questions
Subscription and Card-on-file businesses who want to process using batch will benefit from SmartBill Pro. Additionally, any business with long-lived customer lifecycles will benefit from the SmartBill Pro solution – because card details have a higher probability of changing over time. Key industries include but are not limited to: Utilities, Insurance, Service Subscription, Gym/Club Membership, Telecommunications, Toll booths, B2B suppliers.
SmartBill Pro processes charges in batch format – so this solution is more suited to MOTO (Mail Order/Telephone Order) transactions, Subscription or card-on-file models which do not require real-time approval for service/product delivery at point-of-sale.
Subscription business models rely on cards-on-file for payment but over time these card details on file may become “stale” due to expiry date changes, card number changes and other reasons. If a recurring payment is declined due to card-on-file changes, you will need to contact your customer to get the updated card details. SmartBill Pro reduces the need to chase down card details and helps reduce lost revenue because the integrated card update capability will provide updated card details in order to improve payment processing.
Recurring transactions often take three separate steps (card updates, authorization, and submission) to process. American Express SmartBill Pro combines all three steps into one solution which can help optimize your recurring payment processing.
Rather than sending each individual transactions for processing, with SmartBill Pro you use a batch file to send multiple or mass transactions all at once – again improving efficiency for subscription and card-on-file businesses.
SmartBill Pro batch files are uploaded directly to the American Express Secure File Transfer (SFT) portal for processing. There is also the option to integrate server-to-server file transfers to automate processing. By directly submitting to American Express, you bypass third-party intermediaries which may reduce gateway/processing costs and complicated processing technology.
Ready to get started?
To learn more, send us your details using the button below and an American Express representative will contact you to discuss your needs.