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Payments · Stored cards & autopay
Save a card once. Never chase it again.
Every family keeps a payment method securely on file — tuition, dues and fees charge automatically on schedule, expired cards update themselves, and when a payment fails, smart retries and dignified follow-up handle it before your office ever picks up the phone.
PCI-compliant vaultAuto-updating cardsSmart retriesDignified follow-upSelf-service portal
Day 0 · 3failed payment retried, then a call task — on its own
#1cause of failed tuition payments — expired cards — eliminated quietly
Last 4digits — all your staff ever sees of a card
1 tapfor a family to update a card or switch to ACH
Sound familiar?
The problems we built for
01 · The card expired in MarchAutopay stopped, nobody noticed until the statement, and the family is now three months behind through no fault of their own.
02 · The awkward callA failed charge means someone in the office has to phone a parent about money — the call everyone puts off, and the balance grows while they do.
03 · Card numbers in a drawerA sticky note, a spreadsheet column, a form in a filing cabinet — the institution is holding card numbers it should never hold.
Capabilities
The engine under every payment
Tokenized, PCI-compliant storageFamilies save a method once at enrollment and it powers everything: tuition, meals, programs, the dinner. Card numbers never touch your systems.
Charges on each family's schedule10-pay, 12-pay, quarterly or custom — charged automatically, with receipts sent the moment they clear.
Cards that update themselvesExpiring and reissued cards refresh through the card networks — the #1 cause of failed tuition payments, eliminated quietly.
Smart retriesFailed charges retry on a schedule tuned to when cards actually recover — most failures resolve before anyone is messaged.
Dignified follow-upWhen retries aren't enough: a polite WhatsApp and email with a self-service link — escalating gently, never embarrassing a family.
Self-service portalParents and members update cards, switch to ACH, and see upcoming charges themselves — billing calls to the office all but disappear.
When a payment fails
Failed payment, handled before the office hears
Day 0, day 3, then a call task. Most are fixed before anyone in the office knows there was a problem.
1Day 0 — the charge failsInsufficient funds, a frozen card, a reissue. The system logs it on the family record and schedules the first retry.
2Smart retryRetried on the schedule cards actually recover on — and if the card was reissued, the updater has usually already swapped it in.
3Day 3 — the polite messageA WhatsApp and an email in the institution's name, with a one-tap link to pay now, update the card, or switch to bank.
4Then, and only then, a call taskIf nothing has cleared, a task lands on the right person's board with the whole history attached. The office is the last step, not the first.
The family record
One method on file, everything runs off it
Tuition, the canteen, the after-school program and the dinner all charge the same saved method — and the family sees every upcoming charge before it happens.
Method on fileVisa ••4242 · exp 03/28Card updaterOn · last refreshed Sep 12Tuition plan10-pay · $1,400 · next charge Nov 1Also chargesCanteen · after-school · dinner ticketsRetry scheduleDay 0 · day 3 · then a call taskLast chargeOct 1 · cleared · receipt sent
Update card Switch to bank ($1 flat)
Sample data. Staff see the last four digits and nothing else.
Receipts the moment it clearsEvery scheduled charge sends its own receipt, itemized to the plan or program it paid for.
One tap to ACHA family moves from card to bank in the portal — $1 flat, never surcharged — and autopay keeps running without a call.
Live on the dashboardWho is current, who is retrying, who has a call task — one screen, no spreadsheet.
We specialize in lowering card rates for 501(c)(3) organizations: schools and shuls typically save 30–40% on card fees after we take over the account.
No-cost option: compliant surcharging or a pass-through line on your own tuition contract or dues statement — the institution pays nothing to accept cards, and ACH is never surcharged.
Every other platform earns more when you spend more. 613OS earns more when you collect more.
We earn on what flows through the platform — that's the whole model. Cards 2.9% + 30¢ · ACH $1 flat · returned payment $25 at cost · never a per-family fee.
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Related
Frequently asked questions
What is stored-card autopay?
Stored-card autopay lets every family keep a payment method securely on file — tokenized in a PCI-compliant vault — so tuition, dues and fees charge automatically on schedule. Expiring cards update themselves through the card networks, failed payments retry intelligently with dignified follow-up, and parents and members manage their own methods in the portal.
Is it safe for families to store a card with the institution?
Yes. Card details never touch the institution's systems — they are tokenized in a PCI-compliant vault, so staff see only the last four digits. The office gets reliable autopay without ever holding card numbers, which is safer than the sticky note in the drawer it replaces.
What happens when a family's card expires?
Usually nothing — the automatic card updater refreshes most expiring and reissued cards through the card networks without the family lifting a finger. When an update isn't possible, the family gets a friendly message with a one-tap link to update their method before the next charge date.
What happens when an autopay charge fails?
The system retries intelligently on a schedule tuned to when failed cards actually recover — day 0, day 3 — and if it still fails, a dignified follow-up begins: a polite WhatsApp and email with a self-service payment link, escalating gently to a call task. The office is only involved when automation has been exhausted.
Can parents manage their own payment methods?
Yes. In the family portal, parents update cards, switch to bank ACH at $1 flat, and see every upcoming charge — self-service that eliminates most billing calls and keeps autopay running through card changes, bank switches, and life.
Let's talk about your numbers
Bring a recent processing statement and bank statement to your demo — we'll show you the savings and the yield, line by line.
613os.com/demo · 305-954-7362 · yoni@613os.com