Techniques for improving card on file transactions are described. Transaction data associated with previous transaction(s) between a customer and merchant(s) can be received. Payment information associated with a payment instrument of the customer authorizable for a cost of a transaction between the customer and a merchant can be received. A suggestion that the payment information be stored in association with the merchant can be sent to the merchant device and/or a customer device, wherein the suggestion is based on the transaction data and/or information associated with the transaction. An instruction to store the payment information in association with the merchant can be received and, based at least partly on receiving the instruction, the payment information can be stored in association the merchant, wherein storing the payment information allows the merchant to use the payment information for subsequent transactions without again reading or receiving the payment information.