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Account Updater

Recurly’s Account Updater service monitors your customers’ Mastercard®, Visa® and Discover® credit cards for changes, making updates in Recurly's records whenever necessary. Account Updater is critical to minimizing loss in revenue due to avoidable failed payments.

Credit Card Support

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.

Configuration

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.

Triggers

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.

Subscription Renewal

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.

Subscription Renewal Failures

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 Transaction Decline

When a one time transaction on an existing account results in a 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 one time transaction hard decline provides an opportunity to update credit card information on the account for any future transactions.

Re-subscribes

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.

Events

For Mastercard®, Visa® and Discover® credit cards, the following events will automatically apply the latest account credit card information:

Updated Expiration Date

The expiration date will be updated on the account billing information.

Updated Credit Card Number

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.

Credit Card Account Closed

The billing info is marked as invalid and requires the account cannot be billed.

All of these events trigger the Update Billing Info webhook.

Account Activity

Under an Account's Activity, an event will be recorded for any credit card billing info updates by the Account Updater.