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A recurring payment model allows businesses to automatically charge customers according to a pre-determined schedule. A streaming service provider billing customers as per a monthly schedule is an example of a recurring payment model.",[],{"_key":1198,"_type":170,"children":1199,"markDefs":1204,"style":190},"k11",[1200],{"_key":1201,"_type":174,"marks":1202,"text":1203},"k10",[],"To accept recurring payments, the merchant must first get the customer's approval for future payments upfront. After receiving permission and collecting the customer's payment details, the merchant can then automatically make recurring charges to the customer's account without the need for additional approval. This authorisation stays in place till either of the two parties ends the arrangement.",[],{"_key":1206,"_type":170,"children":1207,"markDefs":1212,"style":190},"k15",[1208],{"_key":1209,"_type":174,"marks":1210,"text":1211},"k14",[],"Utility bills, subscription plans, insurance premiums, and loan repayments are some common examples of recurring payments.",[],{"_key":1214,"_type":170,"children":1215,"markDefs":1220,"style":190},"k19",[1216],{"_key":1217,"_type":174,"marks":1218,"text":1219},"k18",[],"Recurring payments are often discussed alongside terms such as subscription payments, automatic payments (autopay), recurring billing, and standing orders. While these terms are closely related, they refer to different aspects or methods of recurring transactions. Subscription payments are a common application of recurring payments but not the only one. Autopay is a broader term that generally refers to any arrangement in which a bill is paid automatically when it becomes due. Recurring billing is the process of charging customers automatically at regular intervals. And standing orders refer to bank instructions to transfer a fixed amount at regular intervals.",[],{"_key":1222,"_type":170,"children":1223,"markDefs":1228,"style":1229},"k23",[1224],{"_key":1225,"_type":174,"marks":1226,"text":1227},"k22",[1185],"Recurring payment vs one-time payment",[],"h3",{"_key":1231,"_type":170,"children":1232,"markDefs":1237,"style":190},"k27",[1233],{"_key":1234,"_type":174,"marks":1235,"text":1236},"k26",[],"The main distinction is that a one-time payment is a single, final transaction. It requires a fresh authorisation every time it is made. 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The customer also provides the necessary payment information, such as credit card or bank account details.",[],{"_key":1409,"_type":170,"children":1410,"markDefs":1415,"style":190},"k115",[1411],{"_key":1412,"_type":174,"marks":1413,"text":1414},"k114",[],"The payment details are securely stored by a payment processor or payment gateway on behalf of the merchant. Encryption and tokenisation protect the sensitive information, ensuring compliance with security standards such as the Payment Card Industry Data Security Standard (PCI DSS).",[],{"_key":1417,"_type":170,"children":1418,"markDefs":1423,"style":190},"k119",[1419],{"_key":1420,"_type":174,"marks":1421,"text":1422},"k118",[],"Next, the merchant charges the customer's account on the billing date. The transaction is handled by the payment service provider, including verifying payment details, transferring funds from the customer's account to the merchant account, and updating records. 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It is also called a regular recurring payment.",[],{"_key":1457,"_type":170,"children":1458,"markDefs":1463,"style":1229},"k139",[1459],{"_key":1460,"_type":174,"marks":1461,"text":1462},"k138",[1185],"Variable recurring payments",[],{"_key":1465,"_type":170,"children":1466,"markDefs":1471,"style":190},"k143",[1467],{"_key":1468,"_type":174,"marks":1469,"text":1470},"k142",[],"In a variable recurring payment structure, the amount charged changes from one payment cycle to the other depending on factors such as usage or service level. As a result, it is also called irregular recurring payments. There are 2 ways in which variable recurring payments determine pricing:",[],{"_key":1473,"_type":170,"children":1474,"level":1261,"listItem":1262,"markDefs":1479,"style":190},"k147",[1475],{"_key":1476,"_type":174,"marks":1477,"text":1478},"k146",[],"Metered pricing charges customers on how much of a service they use. For example, power bills determined by the amount of electricity consumed",[],{"_key":1481,"_type":170,"children":1482,"level":1261,"listItem":1262,"markDefs":1487,"style":190},"k151",[1483],{"_key":1484,"_type":174,"marks":1485,"text":1486},"k150",[],"Quantity-based pricing charges customers based on the amount of a product or service they consume, using a pre-agreed unit of measurement and rate. For example, a software subscription that charges per active user in an account. The bill amount goes up if more users are added and decreases if users are removed",[],{"_key":1489,"_type":170,"children":1490,"markDefs":1495,"style":1229},"k155",[1491],{"_key":1492,"_type":174,"marks":1493,"text":1494},"k154",[1185],"Hybrid recurring payments",[],{"_key":1497,"_type":170,"children":1498,"markDefs":1503,"style":190},"k159",[1499],{"_key":1500,"_type":174,"marks":1501,"text":1502},"k158",[],"This recurring billing model combines a fixed recurring charge with a variable, usage-based component. 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