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by cnst 321 days ago
Visa® Account Updater for Merchants exists precisely for this reason:

https://developer.visa.com/capabilities/vau

https://developer.mastercard.com/product/automatic-billing-u...

https://stripe.com/resources/more/what-is-a-card-account-upd...

I'm super annoyed by any hosting or telco provider that has failed to implement it, I think it amounts to negligence, especially if they stop and completely erase your entire portfolio only a couple of days after payment failure, which some officially do.

I lost my Online.net Scaleway test servers this way, because they have failed to implement the updater. Of course, their support will always blame the customer.

BTW, these Account Updaters are also the reason why changing a card number will not prevent any recurring charges, either; it's by design.

I can confirm that Amazon Prime, Visible and 123-Reg have no issues with VAU and equivalents. Your monthly Amazon Prime in the US will continue getting billed to an expired credit card without any issues, for example. Same with Visible and even the annual renewals on 123-Reg. They all don't show the new card in the interface, and still DO issue warnings that the card is expired, yet, on the billing date, it all just bills as if nothing has happened.

T-Mobile US may lack support, and Callcentric, Hetzner and Online.net, don't seem to implement an Account Updater, either, not sure about OVH.