Our gateway can do exactly what you ask:
- Store payment information (check or credit card) encrypted and
tokenized.
- Bill a variable amount
- Add fixed recurring amount on any schedule
- add multiple cards to the account so if one fails, it cascades to the next
- Set any start date, stop date etc.
- Plus you can accept payments from all inputs- retail, mobile, Electronic invoicing, ecommerce, web pay page.
It replaces authorize.net, Payflow Pro and similar.
An API is available.
There are multiple methods to rebill a customer. The most simplistic is in this recurring billing video.
As per others above, the system does need to be told what to bill, whether via API or manual entry.
