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This seems to be an old VISA feature : https://www.reddit.com/r/privacy/comments/5xbwgk/my_bank_has_given_google_my_new_bank_account/ https://www.reddit.com/r/p

This seems to be an old VISA feature : https://www.reddit.com/r/privacy/comments/5xbwgk/my_bank_has_given_google_my_new_bank_account/ https://www.reddit.com/r/privacy/comments/5xbwgk/my_bank_has...

drb91 8y ago
Ahh yes, the old “it’s not a bug, it’s a feature!”
- mmikeff 8y ago
  It is a feature, in the same way that all my subscriptions failing when my bank issues a new card would be a bug. Perhaps if the Google rephrased their email to mention that this is to avoid interruption to your service it would seem less creepy.
- trothamel 8y ago
  It actually is a feature, though. Having to go and update your recurring billing because your card changed (the expiration date passed, or your credentials leaked and a new number has to be issued) would be a huge pain in the ass. I'd hope there are some controls here - in the case of a compromise, that only accounts that existed before the compromise occurred will be updated. But it strikes me that something that does the right thing 99% of the time should be welcomed.
  - drb91 8y ago
    > Having to go and update your recurring billing because your card changed (the expiration date passed, or your credentials leaked and a new number has to be issued) would be a huge pain in the ass I can’t say I agree. What’s a huge pain in the ass is cancelling services, and now you have to cancel your entire credit account to know that your outstanding charges are canceled. That’s highly inconvenient.
  - dogma1138 8y ago
    It only updates the expiration date upon automatic renewal by the issuer and after an update a CVV2 reconfirmation is required (unless it’s a recurring transaction, saved account details and recurring transactions are different beasts) since the CVV2 has also been rotated. Change of PAN due to a new card being issued whether it’s on the request of the costumer, lost or compromised card should not auto-update.
kyrra 8y ago
Not new, it's a rather old feature. It exists for Visa, Mastercard, and AMEX: https://developer.visa.com/capabilities/vau https://developer.visa.com/capabilities/vau https://developers.mastercard.com/product/automatic-billing-updater-abu https://developers.mastercard.com/product/automatic-billing-... https://network.americanexpress.com/globalnetwork/products-and-services/acceptance/cardrefresher/ https://network.americanexpress.com/globalnetwork/products-a... Lots of companies update your data already from this data, not just Google. I guess it may just be a new feature where we email you about it when it's updated. Edit: fun fact, the UK banking system has this for when you move to a new bank: https://www.bacs.co.uk/accountswitchingservice https://www.bacs.co.uk/accountswitchingservice (I'm a Googler working on payments, who has helped maintain the Account Updater feature, opinions are my own).
- scrollaway 8y ago
  Anyone using Stripe gets this: https://stripe.com/blog/smarter-saved-cards https://stripe.com/blog/smarter-saved-cards

This seems to be an old VISA feature : https://www.reddit.com/r/privacy/comments/5xbwgk/my_bank_has_given_google_my_new_bank_account/ https://www.reddit.com/r/privacy/comments/5xbwgk/my_bank_has...

drb91 8y ago

Ahh yes, the old “it’s not a bug, it’s a feature!”

mmikeff 8y ago
It is a feature, in the same way that all my subscriptions failing when my bank issues a new card would be a bug. Perhaps if the Google rephrased their email to mention that this is to avoid interruption to your service it would seem less creepy.
trothamel 8y ago
It actually is a feature, though. Having to go and update your recurring billing because your card changed (the expiration date passed, or your credentials leaked and a new number has to be issued) would be a huge pain in the ass. I'd hope there are some controls here - in the case of a compromise, that only accounts that existed before the compromise occurred will be updated. But it strikes me that something that does the right thing 99% of the time should be welcomed.
- drb91 8y ago
  > Having to go and update your recurring billing because your card changed (the expiration date passed, or your credentials leaked and a new number has to be issued) would be a huge pain in the ass I can’t say I agree. What’s a huge pain in the ass is cancelling services, and now you have to cancel your entire credit account to know that your outstanding charges are canceled. That’s highly inconvenient.
- dogma1138 8y ago
  It only updates the expiration date upon automatic renewal by the issuer and after an update a CVV2 reconfirmation is required (unless it’s a recurring transaction, saved account details and recurring transactions are different beasts) since the CVV2 has also been rotated. Change of PAN due to a new card being issued whether it’s on the request of the costumer, lost or compromised card should not auto-update.

kyrra 8y ago

Not new, it's a rather old feature. It exists for Visa, Mastercard, and AMEX: https://developer.visa.com/capabilities/vau https://developer.visa.com/capabilities/vau https://developers.mastercard.com/product/automatic-billing-updater-abu https://developers.mastercard.com/product/automatic-billing-... https://network.americanexpress.com/globalnetwork/products-and-services/acceptance/cardrefresher/ https://network.americanexpress.com/globalnetwork/products-a... Lots of companies update your data already from this data, not just Google. I guess it may just be a new feature where we email you about it when it's updated. Edit: fun fact, the UK banking system has this for when you move to a new bank: https://www.bacs.co.uk/accountswitchingservice https://www.bacs.co.uk/accountswitchingservice (I'm a Googler working on payments, who has helped maintain the Account Updater feature, opinions are my own).

scrollaway 8y ago
Anyone using Stripe gets this: https://stripe.com/blog/smarter-saved-cards https://stripe.com/blog/smarter-saved-cards