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    • Overview
    • API Endpoints
    • Ecommerce Checkout
      • Purchase
        POST
      • Get a transaction details
        POST
      • Close transaction
        POST
      • Check transaction
        POST
      • Refund API
        POST
      • Get transaction list
        POST
      • Exchange rate
        POST
    • Plugins
      • Shopify
      • Prestashop
      • Woocommerce
    • Credentials on File
      • Unschedule Payment
      • Schedule Payment
      • Link Account
        POST
      • Link Card
        POST
      • Payment
        POST
      • Renew Token
        POST
      • Get token details
        POST
      • Remove token
        POST
      • Subscription
        POST
    • ABA QR API
      • QR API
        POST
    • Payment Link
      • Create payment link
        POST
      • Get payment link details
        POST
    • Pre-auth
      • Complete pre-auth transactions
      • Complete pre-auh transaction with payout
      • Cancel pre-purchase transaction
    • Payout
      • Payout
      • Update a beneficiary status
      • Add a beneficiary to whitelist
    • KHQR Guideline
      • Get transactions
    • Resources

    Credentials on File

    Introduction#

    Credentials on File (CoF) is an innovative solution that allows businesses to securely store customer payment details for on-demand or automatic future payments.
    Customers save their ABA account or their credit/debit card once, and they can make future payments without re-entering their card details or scanning a QR code using their Banking or Wallet app. It turns a multi-step checkout into a seamless, one-click experience.

    Here are some sample business cases#

    Uncheduled Payment
    Scheduled Payment
    Click Ride-Hailing
    Before booking a trip (e.g., PassApp), the user selects their linked ABA account. Once the trip ends, the saved method is charged.
    Customer Initiate Transaction
    Food Delivery Checkout
    A hungry customer (e.g., Grab) completes their order by selecting their stored Visa card at the final checkout screen.
    Customer Initiate Transaction
    Instant Wallet Top-up
    A user manually triggers a balance refill within a gaming or loyalty app by "pulling" funds from their linked ABA account.
    Customer Initiate Transaction
    Parking Auto-Pay
    When you leave a parking lot, the system automatically charges the parking fee to your saved payment method, so you don’t need to pay manually.
    Merchant Initiate Transaction
    ISP & Utility Overages
    An internet provider charges for extra data usage or "Add-on" packs at the end of a billing cycle based on the customer’s pre-authorized link.
    Merchant Initiate Transaction
    Booking No-Show Fees
    A boutique hotel in Siem Reap triggers a penalty charge if a guest fails to show up for a booking they secured with their "Account on File."
    Merchant Initiate Transaction
    Getting started Unschedule Payment
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    Unschedule Payment