Repeat/Recurring/Subscription payments for customers without a PayPal account. Recommendations?
I am looking at migrating a merchant's card functionality so it can comply with PCI SAQ-D.
This involves removing credit card forms from their site, which was easy for direct payments.
Merchant also has repeat billing flows, flow 2 is the one I am looking to replace:
1. PayPal account: normal set up of auth/baid through checkout and Reference transactions are run against it later.
2. Card-only: customer enters card details on merchant site -> authorization is done via API call -> Reference transactions are done in the background regularly after that.
For flow 2, I need something to replace this that *doesn't* capture card details on the merchant site. Guest checkout doesn't seem to support this, recurring payments and subscriptions both seem to require a PayPal account.