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Add support for Stripe "Smarter Saved Cards" to Automatically Update CC Number and/or Exp Date

ScottN shared this idea 1 year ago
Completed

The Stripe payment gateway service (which WHMCS supports) has an awesome feature called "Smarter Saved Cards" that will automatically update a customer's card, if the bank replaces the card (new card number), or even if just the expiration date has been updated. You can read more about this feature here:

https://stripe.com/blog/smarter-saved-cards

As their site indicates, "over half of the cards stored with Stripe in the last year would stop working if they weren’t updated."

This would be very helpful to hosting providers, as we all know that we sometimes lose customers simply because their credit cards expire or stop working for charging fees. I believe we could increase customer satisfaction and reduce churn, by implementing "Smarter Saved Cards"

Stripe says "The customer.source.updated webhook will fire if your customers’ info changes." -- perhaps this is something that WHMCS could be looking for, and also update the info in WHMCS, such as expiration date, or last 4 of the card?

Thanks for considering this request.

- Scott

Comments (10)

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Example: I just had a customer contact me... they said they received a new Visa card, with a new card number, and they asked how to log in and update the card. I logged into Stripe, and, sure enough, they ALREADY KNOW about the new card, and it's ALREADY UPDATED! The customer would not, technically, need to do anything, if we had "Smarter Card" integration. Here is a screen shot of what it looks like, when logged into Stripe:

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I think we just need WHMCS to create a script in /modules/gateways/callback/ to listen for Stripe to tell us about a card update (and point Stripe to that 'webhook' location)... then take that info (which includes the last 4 of the card, the month and year) and update the info we store in WHMCS. The token doesn't change.... we just need to update the expiration month/year, and perhaps the last 4 of the card.

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This is a great idea I think. If we could point a Stripe webhook at WHMCS we'd pick up customer card changes automatically and cut down on uneccsary emails about expiratino dates, etc.

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Reading this petition, it seems very interesting and I think it's necessary.

Voted.

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Very cool idea, I too gave my vote.

We have a much more urgent requirement when we use official Stripe module.

That is Migrate to Stripe Elements Implementation and Stripe 3D Secure.

https://requests.whmcs.com/topic/migrate-to-stripe-elements-implementation

https://requests.whmcs.com/topic/stripe-3d-secure

I welcome all of you to give a vote and your comments.

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This is indeed an easy to implement feature. And an excellent addition.

Voted with many hope :)

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When Stripe automatically updates a customer's payment card it fires both the `payment_method.updated` and `payment_method.card_automatically_updated` webhook events.

The WHMCS Stripe module just needs to listen for these. :)

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Hi all,

Thanks for this suggestion and your votes and comments.

I'm pleased to advise this is currently being worked on and targeted for v8.0. Please keep an eye on https://blog.whmcs.com in the coming weeks for more information on this next feature release!

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Hi John,

That is great news :)

Roll on v8.0!

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Hi all,

I'm pleased to announce that in v8.0 we have implemented the Smarter Saved Cards webhook in v8.0. Upon updating to v8.0, the required webhook will be automatically created if Stripe is active. So you'll be able to benefit from this feature without any action required. For new Stripe users, the webhook will be created when the module is first configured.

Please test it out, and let us know your feedback during the pre-release period.

Beta information: https://beta.whmcs.com

Community Discussion: https://whmcs.community/forum/507-whmcs-80-release-candidate-discussion-board/