Please enlighten me ! Re new bank card received.

[badlywornroy]

Ok, hope I can make myself understood ?

New bank card received, as expected old one expires this month.

Need to update some routine bank payment details ie Amazon, Netflix & Sky. This because the card has a new 'long' number due to card changed from Visa debit to Mastercard. N:B Bank has changed this I never requested it.

First off, I deleted the old card on my Amazon account and entered the new card details.

Next I went to my Netflix account . . . . b****r me ! the new card details had been updated . . . . not by me, honest

Same thing on my NOWTV (Sky) acccount, new card details already updated.

That is the sum total of my saved payments details otherwise I assume others would have been updated.

How does this happen ? Netflix and NOWTV are nothing to do with Amazon (as far as I know)

What am I missing here ?

EDIT: P.S Found the answer

Key to understanding what is going on here are a pair of acronyms: ABU and VAU.

Automatic Billing Updater is run by Mastercard, and Visa Account Updater is Visa's version. Both work in very similar ways.

Visa's website states VAU 'Enables a secure exchange of account information updates between participating Visa card issuers and acquirers for credential-on-file merchants.'

In English: When your bank sends you a new card, whether that is because your old one has reached the end of its natural life cycle, or it's been lost or stolen and the bank has sent you another one, it tells Mastercard or Visa who update a database which merchants can use to update the details they have.

 

[Dave *]

Visa and Mastercard push updates to the retailers.

Can online firms really find out your new card details before you?

I recently obtained a new Visa debit card from Lloyds and went to update all my subscription services with the new details. When I went onto Now TV, I saw it already had them.

www.thisismoney.co.uk

Automatic Billing Updater is run by Mastercard, and Visa Account Updater is Visa's version.

Visa's website states VAU 'Enables a secure exchange of account information updates between participating Visa card issuers and acquirers for credential-on-file merchants.'

In English: When your bank sends you a new card, whether that is because your old one has reached the end of its natural life cycle, or it's been lost or stolen and the bank has sent you another one, it tells Mastercard or Visa who update a database which merchants can use to update the details they have.

 

[Box Brownie]

Just one thought....

On my Firestick (registered with Amazon) it offers the likes of Netflix subscription....is it possible that if subscribed via Amazon Netflix etc get your new card details, entered on Amazon, shared with them?

 

[badlywornroy]

Just one thought....

On my Firestick (registered with Amazon) it offers the likes of Netflix subscription....is it possible that if subscribed via Amazon Netflix etc get your new card details, entered on Amazon, shared with them?

Well that wouldn't explain the NOWTV card update. I think I found the reason, see my P.S on original post. Since confirmed by 'Dave' in his post. Methinks a case of 'Big Brother is watching' ?

 

[ecoleman]

Nothing sinister. Banks or card issuers can now update card details with merchants that are signed up to receive them.

 

[boogie man]

Something I discovered the other day. My aged mother won’t do direct debits and still insists on having a quarterly bill sent out for phone, gas, electric and water. I pay them for her over the phone using her debit cards via the automated system. She got a new debit card recently but the old one was still valid until the end of the month…. except BT wouldn’t accept it as a valid form of payment. The automated call got diverted to a real person at their customer help desk “yes, that’s normal. Don’t ask me why though!” Ok it’s near the end of its life but it was still a valid card, so what’s the issue here?

 

[Mr Bump]

new cards also coming out soon with no tape stripe as its now defunct

 

[mj4456]

Santander? My new card has been delayed twice now.

 

[mj4456]

St

Something I discovered the other day. My aged mother won’t do direct debits and still insists on having a quarterly bill sent out for phone, gas, electric and water. I pay them for her over the phone using her debit cards via the automated system. She got a new debit card recently but the old one was still valid until the end of the month…. except BT wouldn’t accept it as a valid form of payment. The automated call got diverted to a real person at their customer help desk “yes, that’s normal. Don’t ask me why though!” Ok it’s near the end of its life but it was still a valid card, so what’s the issue here?

Strange that, as I understood card details and life continue for six months after expiry in case just in case a payment was floating around someplace awaiting conformation, ie something ordered but purchase not put through until delivered.?

 

[boogie man]

St

Strange that, as I understood card details and life continue for six months after expiry in case just in case a payment was floating around someplace awaiting conformation, ie something ordered but purchase not put through until delivered.?

I wasn’t aware of that but it would make sense.

What I can’t understand is what the point of having an expiry date on the card if it’s not usable right up till the end of its life?

 

[badlywornroy]

Santander? My new card has been delayed twice now.

Martin, my card was delayed too. I assume because Santander are changing their cards from Visa debit to Mastercard debit there is a 'hiccup' somewhere ?

 

[Gremlin]

What I can’t understand is what the point of having an expiry date on the card if it’s not usable right up till the end of its life?

I can only assume it's for security reasons, I wouldn't want 2 active card on my account
Had you used the new card ?
I often get my new cards 2/3 weeks before the end date and it does have a note with t say destroy your old card as
as soon as you have activated the new one

 

[Marc]

I can only assume it's for security reasons, I wouldn't want 2 active card on my account
Had you used the new card ?
I often get my new cards 2/3 weeks before the end date and it does have a note with t say destroy your old card as
as soon as you have activated the new one

Same here as when you use the new one, it automatically invalidates the old one

 

[boogie man]

I can only assume it's for security reasons, I wouldn't want 2 active card on my account
Had you used the new card ?
I often get my new cards 2/3 weeks before the end date and it does have a note with t say destroy your old card as
as soon as you have activated the new one

Maybe that’s it. Although, my mum had received a new card but hadn’t used it, so not sure how the bank would know she’d received it? My mum is very cantankerous and wouldn’t let me destroy the old card while it was still valid…. maybe that’s what being 96 does to you.

 

[Hanley]

St

Strange that, as I understood card details and life continue for six months after expiry in case just in case a payment was floating around someplace awaiting conformation, ie something ordered but purchase not put through until delivered.?

Once the expiry date has passed no payments will be authorised against the card.

 

[Hanley]

new cards also coming out soon with no tape stripe as its now defunct

Not yet it isn't.

Mastercard have just introduced a program to retire the mag stripe from the back of their cards but it's going to take a while. Financial Institutions have until 1st April 2024 to ensure ATMs and POS terminals can process cards with no mag stripe. (in the US it's 2027).
Only by 2029 will FIs 'have to' send out cards with no mag stripe and by 2033 they will end globally. (for some reason Switzerland is excluded from all of this)

So don't expect big changes on this soon.