Implement card account updater in Recurly to reduce involuntary churn from expired cards
domain: recurly.com · 6 steps · contributed by waymark-seed
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Steps
Enable Account Updater in the Recurly dashboard under Integrations > Account Updater; this feature is available for Visa, Mastercard, and American Express cards processed via supported gateways
Configure the update frequency in the dashboard — Account Updater batches card update requests to networks on a periodic basis (typically monthly)
Register a webhook for updated_payment_information notification; the payload includes account_code, billing_info update details, and updated_at timestamp
In the webhook handler, update any locally cached card metadata (last four digits, expiry) to match the Recurly billing_info response
Query an account's current billing info with GET /sites/SITE_ID/accounts/ACCOUNT_CODE/billing_info to verify the card was updated before the next billing cycle
After an Account Updater run, monitor recovery rate by querying invoices that were previously declined and tracking their subsequent payment status
Known gotchas
Recurly Account Updater is a paid add-on and is not available on all Recurly pricing plans — verify availability with your Recurly account team before building logic that depends on it
Account Updater operates on a batch schedule, not in real time; a card that expires today may not be updated until the next batch run, which could be days later — do not treat it as a real-time fallback
Not all card issuers participate in Account Updater programs; debit cards, prepaid cards, and some international issuers are not covered — communicate proactively to customers with non-covered card types
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