Recurly's Account Updater works with the Account Updater programs for Mastercard®, Visa® and Discover® credit cards. Participation is first determined by the customer's card issuing bank who provides account change events to Mastercard®, Visa® and Discover®. Recurly also supports the card updates for Mastercard® in Europe.
This service is available for every payment gateway that we support, with the exception of SagePay. To enable the service for your site, simply go to your Payment Gateways configuration page. Please note that your site must be in production mode in order to enable the service.
If enabled, Recurly's Account Updater checks for credit card account updates before a subscription renewal and when a one time transaction or re-subscribe signup results in a hard decline.
7 days prior to a subscriptions renewal, Recurly checks the account with Mastercard®, Visa® and Discover®. If there is an update, it will return in 1-6 days and be applied to the customer's billing info before the subscription renewal.
If the subscription renewal attempt is declined then Recurly checks the account with Mastercard®, Visa® and Discover® if it has been 7 days or more since the last lookup. If there is an update, it will be automatically applied to the customer's billing info. The next scheduled transaction retry attempt will use the new billing info. In case there is an open invoice but no scheduled retry attempts (say the failure was due to a hard decline), then the transaction would be retried as soon as Recurly receives a billing info update.
One time transactions will not be submitted to the Account Updater service.
When a customer re-subscribes with billing info already on their account and the transaction results in a hard decline from the payment gateway, Recurly checks the account with Mastercard®, Visa® and Discover®. If there is an update, it will return in 1-6 days. The re-subscribe hard decline provides an opportunity to update credit card information on the account in case the customer tries to re-subscribe again or if there happens to be another subscription on the account that would be affected by the bad credit card data.
For Mastercard®, Visa® and Discover® credit cards, the following events will automatically apply the latest account credit card information:
The expiration date will be updated on the account billing information.
The credit card number will be updated on the account billing information. The changes will be reflected in the customer’s account with an updated first six and last four digits.
The billing info is marked as invalid and requires the account cannot be billed.
All of these events trigger the Update Billing Info webhook.
Under an Account's Activity, an event will be recorded for any credit card billing info updates by the Account Updater.