The Card on File list helps you keep track of all the merchants storing your debit card information for convenient one-time payments, recurring charges or ad-hoc future purchases.
The Recurring Payments list identifies the merchants storing your debit card information for subscriptions, recurring and repeating payments.
When the Card on File transaction characteristics shared by a merchant indicate the transaction is recurring, this merchant will be classified as having a Recurring Payment relationship with the card and will be displayed in the “Recurring Payments” section. All the other Card on File merchants will be displayed in the Card on File section.