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Let members update their payment method

Stop card-failure churn — members update their card themselves through a secure, gateway-hosted flow from My Account.

  • Self-service card update
  • Stripe / PayPal / Paddle
  • Card-on-file shown
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ProMembership

Failed renewals are often just an expired card. With automatic payments (Pro), members can update their payment method from the subscription detail page via a secure, gateway-hosted flow — Stripe, PayPal, or Paddle — and see their card-on-file (brand + last 4 + expiry). This recipe enables self-service card updates.

What you get
  • Members replace their card without contacting support.
  • Secure, gateway-hosted update (no card data on your site).
  • Card brand, last 4, and expiry are shown.
  • Recovers renewals that would fail on an old card.
Copy these settings

The exact configuration

Enter these values and you have the setup live. Every field maps to a real ArraySubs setting.

SettingValue
RequiresPayments → Automatic PaymentsPro + an automatic gateway that supports updates
Card on fileMy Account → subscription detailBrand + last 4 + expiry shown on the subscription
Update flowBehaviourRedirect to Stripe / PayPal / Paddle, returns to detail
EffectBehaviourApplies to future charges, not the current cycle
Best for

When to use this setup

Any membership on automatic billing
Reducing involuntary churn
EU/UK stores (re-auth via gateway)
Set up

Set it up in 2 steps

A step-by-step guide drawn from the ArraySubs user manual. Open the linked page for the full walkthrough and screenshots.

  1. Use an automatic gateway

    Activate Pro and connect Stripe, PayPal, or Paddle — the update link appears only when the gateway supports updates.

    Payment & Shipping Actions

  2. Members update from the portal

    On the subscription detail page, the member clicks Update payment method and completes the gateway-hosted flow, returning to the portal.

    Payment & Shipping Actions
From the manual

This recipe is built from these ArraySubs user-manual guides:

Good to know

Notes & edge cases

Updating affects future charges only, not the current cycle.
Not all gateways support updates — when unsupported, only the current card details show.
Gateway specifics: Stripe hosted session, PayPal billing-agreement update, Paddle update portal.
Built with

Modules behind this recipe

The ArraySubs modules this setup relies on.

Free + Pro

Customer Portal

Subscriber self-service inside WooCommerce My Account for viewing, cancelling, pausing, switching, and paying subscriptions.

Free + Pro

Billing and Renewals

How ArraySubs creates, schedules, communicates, and collects recurring payments from first invoice to final renewal.

More recipes

Related setups to explore

Other configurations you can build with the same modules.

Pro

Member auto-renew toggle

Let members switch off auto-renew and pay by invoice instead — without cancelling — from My Account.

Free + Pro

Self-service subscription portal

Give members a My Account hub to view subscriptions and self-serve — cancel, skip, pause, switch — by your rules.

Free + Pro

Automatic Stripe billing (SCA)

Collect every renewal automatically and off-session with Stripe, fully SCA / 3D Secure compliant.

FAQ

Questions, answered

No. The update happens through a secure gateway-hosted flow (Stripe/PayPal/Paddle); your site only stores a reference and shows brand/last-4/expiry.

No. A new payment method applies to future charges; it doesn’t retroactively change the current cycle.
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Start on the free-forever core today, then choose a paid Pro plan when you need the advanced Pro feature set.

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