Charging a saved card on demand

When a customer has a card on file and you want to charge it for something OTHER than an autopay cycle, use the 'Charge now' button on their detail page. Common cases: same-day repair labor where you don't want to send-then-wait for the customer to pay, or a follow-up parts upcharge after the original invoice closed.

How it works

1. 1
   Open customer detail page

   Card-on-file section at the top.

2. 2
   Click 'Charge now'

   Modal opens. Only enabled when there's actually a saved card.

3. 3
   Enter amount + description

   Description shows on the customer's bank statement AND on the new invoice. Be specific — 'Same-day water heater install — labor + parts' beats 'Service'.

4. 4
   Click 'Charge $X'

   Plyrium creates a draft invoice + line item, then runs the off-session charge against the saved card. On success: invoice flips to paid + payment row created; you're redirected to the invoice detail page.

What gets created

• A new paid invoice with the description as the title and a single line item.
• A payment row linked to the Stripe PaymentIntent.
• An audit-log event in /admin (you can trace the charge later if needed).

When the charge fails

Two failure modes:

• Card declined (insufficient funds, expired card, etc.) — the draft invoice is automatically VOIDED so you don't have abandoned drafts cluttering /portal/invoices. Modal surfaces the Stripe decline reason.
• Bank requires authentication (SCA / 3DS step-up — rare for off-session, common in EU but US cards occasionally) — invoice voided, modal says 'send a fresh invoice link instead.' Use that to email the customer a regular Stripe Checkout link where they can authenticate in-browser.