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Webhook when credit card updated

Nader Akhnoukh
suggested this on June 17, 2011 02:58 pm

Webhook when credit card updated

 

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Robert Hopwood

This is a useful feature.  I'd like to give an example of how we'd use it in particular.  We typically use trial subscriptions where no credit card is required.  During the trial, we encourage the user to enter a credit card before the trial expires rather than wait for the trial to end and start dunning.  Once the user has entered a card, we stop asking.  Once we have a card on file, we remind them that their card will be charged at the end of the trial period.  We don't start charging immediately, because it is still a free trial (fully featured trial...  and so no reason for the customer to end the trial early).

We create the subscription via the API and use the hosted pages for updating the payment method.  Right now we poll periodically once we get a hint that the user has updated the card information.  We only know if they click to update their card from our link.  However, it is conceivable that the user obtains the link and does not update the card.  We wait for a bit before giving up on polling. If the user then goes back to chargify to update their card via a saved link (direct chargify link), we'll have no hint that they've gone their.  So we can end up in a situation where the card is updated but we are still asking the customer to provide a card.

So our only real solution is to poll chargify for card information for all subscriptions that are trialing.  Obviously, this is not the best thing for us or Chargify.

Thanks.

January 03, 2012 12:01 pm
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Nader Akhnoukh

Hi Robert, we have the exact same pattern.  We all give a full featured trial, and if they haven't started paying, we drop them into a free plan.  While I would think this would be a common use case, Chargify has told us not many of their clients do this.

January 03, 2012 12:07 pm
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Lance Walley
Chargify

Hey guys, we'll look at this and other stuff once we're past the system upgrade work we're focused on:

http://chargify.com/blog/chargify-performance/

We're all getting together toward the end of Jan to look at everything people want to start prioritizing Q1, maybe into Q2.

Sorry, age-old problem of: lots of needs, only so many dev hours :-). Like we had to delay Quickbooks integration and that angered of some merchants who wanted it by Jan.

--- Lance

January 03, 2012 10:07 pm
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Robert Hopwood

Thank you, Lance.  In the mean time (@Nader), I gather from the documentation:

"The Return URL after successful account update is the URL that the user will be redirected to after they update their payment details using the “self-service” hosted card update page. The Return parameters specify the data that will be passed back in the query string of both Return URLs (i.e. it is shared between both URLs)."

At least in the case of self-edited credit cards, we can use the callback url to give us the hint that the card has changed. I don't know if that helps you as well, but I'm going to make use of it.

January 04, 2012 03:46 pm
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Tim Shnaider

Please bump this, for whatever reason if the redirect is stopped or fails, then we have no idea the update occured!

April 01, 2012 07:31 pm
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Lance Walley
Chargify

Will do. I just asked our dev team to make sure they have a card and bump it up a bit. We're doing Q2 planning right now and the top areas we're getting pressure on are: reporting/charting and invoice/pay-outside-the-system, and better trial-ending handling.

--- Lance

April 03, 2012 03:12 pm
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Robert Hopwood

Hi Lance,

Any pressure with subscriptions paying by ACH/eCheck -- at least for gateways that support this?

If not, how might I add such pressure. ;-)

- Bob

April 03, 2012 03:18 pm
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Lance Walley
Chargify

:-)

Well, that's wanted, too, but ACH seems to only come up in specific markets, like health clubs. There's definitely more pressure for "I want to send an invoice and then collect payment however my customer wants to pay me, and then indicate I got that payment in Chargify."

--- Lance

April 03, 2012 03:24 pm
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Robert Hopwood

I don't see much in the "Invoice" thread.  I think invoices are a fantastic idea... but certainly more involved than ACH.  Is there somewhere I'm missing a discussion on invoicing features/requirements.  We currently do this outside chargify and still use chargify for dunning (in a round about way).  If we/Closerware can add to the discussion, we'd love to!

Thanks,

Bob

April 03, 2012 03:30 pm
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Lance Walley
Chargify

It's really come up in sales calls and when I met 8 merchants at SXSW. And it falls into place nicely as we work on "multi-dunning", so different dunning strategies can be used for different payment types, for trial-ending, etc. ACH is a bit more involved and needs to follow the above.

--- Lance

April 03, 2012 03:40 pm