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> It’s definitely not the merchant’s responsibility to catch when your card changes. Well seen that the tech exists, they're not just leaving money on the tabl

> It’s definitely not the merchant’s responsibility to catch when your card changes. Well seen that the tech exists, they're not just leaving money on the table by not using it (to update card that just expired) but they're also burning money on pointless support, support which wouldn't need to happen in the first place had they updated the month/year of expiration. I mean: we're literally talking about credit cards often keeping the exact same owner name, the very same number and just having their MM/YY of expiration changed. It's not rocket science to update in a DB after an API call. And what's the catch on at least trying? If it works, you saved everybody time. If it doesn't work, it's not worse than your current "solution". I understand politicians and lawyer-minded people saying: "technically it's not our responsibility" but they're wasting everybody's time, leaving money on the table and wasting money on support. It's just poor judgment to react like that instead of thinking as to how life could be made better for everybody, starting with your paying customers (which, btw, are the reason you exist).

JohnFen 3y ago
Would it be a better practice to use that tool? Yes. Are they at fault because their customer dropped the ball so badly about paying their bill? No.
- relaxing 3y ago
  It doesn’t matter who’s at fault. They missed a chance to provide better service and lost a customer as a result.
  - JohnFen 3y ago
    Sorry, I thought your comment was in support of alberth's upthread assertion that they bear some of the fault in this.
devmor 3y ago
> Well seen that the tech exists, they're not just leaving money on the table by not using it (to update card that just expired) but they're also burning money on pointless support, support which wouldn't need to happen in the first place had they updated the month/year of expiration. To lend a bit of insight as someone who works in the payments industry: This functionality is generally not free. If most of your customers come and update their expired cards already - or you offer a service which is so essential to your customers that they generally would freely expend the effort to do so if notified, it doesn't make any sense from a financial standpoint to pay the fees to subscribe to card issuer updates.

JohnFen 3y ago

Would it be a better practice to use that tool? Yes. Are they at fault because their customer dropped the ball so badly about paying their bill? No.

relaxing 3y ago
It doesn’t matter who’s at fault. They missed a chance to provide better service and lost a customer as a result.
- JohnFen 3y ago
  Sorry, I thought your comment was in support of alberth's upthread assertion that they bear some of the fault in this.

devmor 3y ago

> Well seen that the tech exists, they're not just leaving money on the table by not using it (to update card that just expired) but they're also burning money on pointless support, support which wouldn't need to happen in the first place had they updated the month/year of expiration. To lend a bit of insight as someone who works in the payments industry: This functionality is generally not free. If most of your customers come and update their expired cards already - or you offer a service which is so essential to your customers that they generally would freely expend the effort to do so if notified, it doesn't make any sense from a financial standpoint to pay the fees to subscribe to card issuer updates.