Which feature helps reduce declines due to expired card numbers?

Which feature helps reduce declines due to expired card numbers?

• A. Enable card account updater.
• B. Collect ZIP code.
• C. Authenticate with 3D Secure.
• D. Switch to ACH payments.

Answer: (B)

Keeping payment methods current is essential when cards expire or are reissued. The card account updater automatically refreshes stored card details with the issuer’s updated information (often including a new expiration date and, when available, the new card number). This means recurring charges and subscriptions can continue without interruption, reducing declines caused by expired or changed card details. Collecting ZIP code helps with AVS checks to detect fraud, not with updating card data when a card expires. 3D Secure is an authentication step that can add friction and isn’t aimed at preventing expiration-related declines. Switching to ACH moves away from card networks entirely, so it doesn’t address expired card numbers either.

Keeping payment methods current is essential when cards expire or are reissued. The card account updater automatically refreshes stored card details with the issuer’s updated information (often including a new expiration date and, when available, the new card number). This means recurring charges and subscriptions can continue without interruption, reducing declines caused by expired or changed card details.

Collecting ZIP code helps with AVS checks to detect fraud, not with updating card data when a card expires. 3D Secure is an authentication step that can add friction and isn’t aimed at preventing expiration-related declines. Switching to ACH moves away from card networks entirely, so it doesn’t address expired card numbers either.