why hasn’t visa or mastercard made a payment method that doesn’t expire?

having to plug in a new card in all these places after the old one expires is so annoying.

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Stripe addresses this to some degree. Wonder what stops Visa / Mastercard from doing so. 

https://stripe.com/docs/api/cards/update

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Fraud is my guess. Some services are able to auto update it though, I think PayPal does.

oh no. they don’t send out warnings or online invoices to pay? i only remember when i get an email that my payment bounced 🫣

At least you remember to plug the new card, my electricity shut off one day and I called to complain… only to find out I technically didnt pay for three months 😬

All the networks do offer a service to merchants they can use to automatically update reissued cards; I guess not all merchants subscribe to it. https://paymentcloudinc.com/blog/account-updater/

I figured it was to eventually force recurring payments, etc to get your new approval.  But not super confident in that.

They have, look up “issuer tokens”. PANs expire due to accumulated fraud risk, tokens can be set to only expire on request.