← Back to blog
SAVED CARDS nodetonet.com

Saving cards and payment methods — the right way to enable auto top-up

N Nodetonet Team
March 31, 2026 7 min read

If you top up Nodetonet credit more than a couple of times you should save a card. Once a card is on file the platform can either offer you a one-click top-up (you confirm, no card details re-entered) or fully automatic top-up — it charges silently when the balance dips below a floor you set. Either way beats retyping a sixteen-digit number every time a long scraping run drains your balance unexpectedly.

TL;DR: Nodetonet uses Stripe's SetupIntent to collect your card. We store only an opaque token — never the PAN or CVC — and can charge it later, off-session, to keep your prepaid credit topped up without interrupting running mobile proxies, rotating proxy pools or HTTP tunnels.

How card saving works — the SetupIntent flow

On /balance the right-hand panel has a Saved cards section with a + Add card button. Clicking it opens a Stripe-hosted card form. The form is collecting a card and authorising it for future use — it does not charge you right now.

Behind the scenes our backend creates a Stripe SetupIntent before opening the form. When you submit, Stripe:

  1. Validates the card number, expiry and CVV directly in its hosted fields (the raw digits never leave Stripe's servers).
  2. Runs any Strong Customer Authentication (SCA) or 3-D Secure challenge your bank requires for "save this card for future off-session use".
  3. Returns an opaque payment_method_id token to our backend on success.

We store that token. Never the PAN, never the CVC. Everything sensitive lives in Stripe's PCI-DSS certified vault. From our perspective (and yours) it is just an ID string like pm_1AAAAbcd….

The default card — how auto top-up knows which card to use

Multiple cards can live on file at the same time. Exactly one is marked as default. The default is the card the platform reaches for when it needs to charge you without you being present — for auto top-up, or for any future automated billing we add.

To change the default, click the radio dot next to a card. The change is instant; the next auto top-up cycle picks up the new default automatically. The previous default stays on file as a fallback you can switch back to in one click.

If you only ever want manual one-click top-ups with no off-session charging, leave auto top-up disabled. The default flag still matters — it is the card the one-click button pre-selects — but nothing charges without your explicit tap.

Configuring auto top-up

Below the saved-cards list there is an Auto top-up card with three fields:

FieldWhat it doesSuggested value
Trigger thresholdWhen your balance drops below this amount, a charge fires$5 – $20 (enough headroom so no proxy or tunnel is interrupted)
Charge amountHow much credit to add per triggerMatch an available package to keep bonus tiers — e.g. the $100 package gives $103 credit
EnabledToggle to arm / disarmOn if you run unattended fleets; Off if you prefer full manual control

Save and you are done. The next daily settlement that brings the balance under the threshold triggers an off-session charge against the default card. A ten-minute cooldown prevents repeated charges if credit somehow keeps falling below the threshold — for example a misconfigured fleet bleeding bandwidth faster than expected on a large rotating proxy pool.

What "off-session" means — and what can fail

Off-session means we charge without you being present to tap through a 3-D Secure challenge. Most card networks allow this for previously-authorised cards, but two things can still go wrong:

When an off-session charge fails, the platform emails you straight away, leaves all running connections — mobile proxy sessions, HTTP tunnels, VPN — alive through a grace period until the next 03:00 UTC settlement, and then falls back to "credit exhausted" if you have not topped up manually by then. Nothing silently dies mid-session.

Deleting a card

Each card row has a trash icon. One click, one confirmation, and the card is removed — both from our database and via the Stripe API. Stripe deletes the underlying PaymentMethod object, so the token can never be charged again.

Deleting a card never affects historical receipts. Past charges remain in the transaction history with their original references; only future off-session charges are prevented.

If the deleted card was the default and other cards remain on file, the most recently added card is promoted automatically. If it was the only card and auto top-up was enabled, auto top-up is disarmed and you are notified by email.

Why prepaid + auto top-up beats a subscription

Nodetonet billing is pay-as-you-go, not a monthly subscription. Idle proxies cost nothing. If a phone goes offline, a tunnel is paused or a token group is not receiving traffic for a week, the credit meter simply stops. With auto top-up you get the convenience of "it just keeps working" without being locked into a recurring charge for capacity you are not using.

For a breakdown of what each daily settlement actually charges, read how daily billing works. To understand bonus tiers on top-up packages, see the Stripe checkout walkthrough.

Security and compliance summary

Questions? Reach us at support@nodetonet.com or on Discord.

What's next

Frequently asked questions

Does Nodetonet store my full card number?
No. Card data goes directly into Stripe's PCI-DSS Level 1 certified infrastructure. Nodetonet only stores an opaque token (a Stripe payment_method_id) that is useless without access to our Stripe account. Your PAN and CVV never touch our servers.
What is a SetupIntent and why does Nodetonet use it?
A SetupIntent is a Stripe primitive that collects and authorises a card for future use without charging it immediately. Nodetonet uses it so that when auto top-up fires later — without you being at the keyboard — the charge succeeds cleanly without triggering an extra 3-D Secure challenge.
What happens if my auto top-up charge fails?
Nodetonet emails you immediately and keeps all running proxies, tunnels and VPN connections alive through a grace period until the next 03:00 UTC settlement. If you do not top up manually before then, the account falls into "credit exhausted" mode. No proxy session is silently killed mid-request.
Can I save multiple cards and switch between them?
Yes. You can have several cards on file simultaneously. Exactly one is marked as the default at any time — that is the card auto top-up charges. Switch the default by clicking the radio button next to any saved card; the change takes effect on the next top-up cycle.
What should I do if I get an authentication_required error on auto top-up?
This usually means your bank scoped the card too narrowly at save time — for single charges only, not recurring off-session ones. Delete the card from your saved-cards panel, re-add it, and when the Stripe form shows a 3-D Secure prompt about future charges, approve it carefully. The next auto top-up should then succeed.
Will deleting my saved card affect my billing history or existing receipts?
No. Deleting a card only prevents future charges against it. All past transactions stay in your billing history with their original Stripe receipt links. If the deleted card was the only one and auto top-up was enabled, auto top-up is automatically disarmed and you are notified.
N

Nodetonet Team

Building Nodetonet — a prepaid proxy + tunneling platform that replaces ngrok, Cloudflared and a residential proxy provider with a single panel.

Related posts