Automatic card updates
The Card Account Updater (CAU) service from Stripe helps keep saved card details current when an issuing bank replaces a card because it expired or was reported lost or stolen.
How automatic card updates work
Fundraise Up enables automatic card updates in Stripe for payment methods linked to active recurring plans.
When a participating issuing bank shares new card details through a card network, Stripe updates the saved payment method and notifies Fundraise Up. Fundraise Up then synchronizes details such as the expiration date and last 4 digits of the card.
Fundraise Up does not send the new card details to Stripe and cannot control when Stripe receives or applies an update.
Automatic updates are not guaranteed. Availability depends on the issuing bank, card network, and country. If Stripe does not receive the new details, Fundraise Up continues to display the existing card information. The supporter can update the payment method through the Donor Portal, or the organization can update it in the Dashboard.
Card Account Updater fees
Stripe charges $0.25 for each automatic card update. CAU fees appear only in Stripe and are not linked to a specific donation or transaction. As a result, organizations may see differences between Fundraise Up reports and Stripe payout amounts that they cannot reconcile to an individual donation.
Fundraise Up enables CAU only when it is needed to support active recurring plans. When a payment method is no longer linked to an active recurring plan, Fundraise Up disables automatic updates for it. If no other eligible payment method exists for the same Stripe customer, Fundraise Up also disables CAU for that customer. One-time donations alone do not trigger automatic card updates.