Basing my own business decision on personal experience with providers who took a
credit card number, and then set it up for recurring billing, and then when I
ended the arrangement, ran into problems with getting the recurring billing to
stop.
I had this experience with AOL, Earthlink, Cloudmark, and several others not so
prominent.
As a result, I discontinued recurring billing completely, and with it the need
to store credit card numbers. I replaced it with a scheduled PayPal request
which requires positive input from the client in order to pay his/her bill,
completely avoids disputes, completely avoids my maintaining personal financial
information on a client
A side effect was the elimination of license fees, batch processing, and monthly
payment gateway fees, all of which tend to add to your service pricing if left
in place. This methodology permits me to maintain a more personal relationship
with the client and not something insecure like his credit card. (which,
incidentally changes over time) Another side benefit is that any issues the
client may have with me will be proactively addressed, and that I consider a
service improvement. PayPal deals with currency exchange rates, foreign
payments, all without extra effort or expense on my part.
There is a lot said (and done) with automated processing, but I just prefer to
keep the personal touch, and let the client know that they are that much more
important to me.
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