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PHP SDK for Authorize.Net API
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When will the user's paymentProfileID be deleted? #278

Open phpstudyone opened 6 years ago

phpstudyone commented 6 years ago

I am using profileId and paymentProfileID to capture a payment and create a recurring billing subscription.

But I found that the paymentProfileID saved in the database is sometimes not found in Authorizenet.

I want to know when Authorize.net will delete the user's paymentProfileID.

Account Updater opened will lead to such a situation?

ashtru commented 6 years ago

The Account Updater FAQ states the following possible results from an updated card: NAN - New Account Number NED - New Expiration Date CCH - Contact Card Holder - A change has occurred, contact card holder for updates. ACL - Account Closed - The account has been closed, contact card holder for new card. No Response - No changes reported by Account Updater this time.

For the cases CCH and ACL, the payment profile is deleted. The merchant needs to contact card holder for updates and then accordingly add a new payment profile.

phpstudyone commented 6 years ago

emmmmmm

This seems incredible. Because I want to rely on these two fields for create Automated Recurring Billing (ARB) subscriptions and capture a payment. Deleted the payment profile has a great impact.

For the cases CCH and ACL, Delete CC info but not delete the payment profile Isn't it more appropriate? Or Is it possible to be notified by webhooks when deleting payment profile?

abishekrsrikaanth commented 5 years ago

This seems like a related issue to https://github.com/AuthorizeNet/sdk-php/issues/284

phpstudyone commented 4 years ago

What happens to ARB subscriptions that have received CCH or ACL responses and are now in a suspended status? If the subscriptions are not updated with current payment information before the next scheduled payment, they will be terminated. To view which subscriptions received a CCH or ACL response, please refer to the monthly Account Updater report available in the Merchant Interface.

What happens to CIM payment profiles that have received CCH or ACL responses? Each payment profile is stored under an associated Customer Profile. There will be no changes to the Customer Profile ID, however, the Payment Profile ID that received an ACL or CCH response will be deleted under the Customer Profile ID. To reference previous transaction history, please utilize the Transaction Search feature. Note, you may filter by date and Customer ID or other fields associated with CIM transactions.

According to the Account-Updater-FAQs, CCH will delete the payment profile id. ABB will be set to Suspend. And if the subscriptions are not updated with current payment information before the next scheduled payment, they will be terminated. How do I update the subscription? Do I need to notify the user then Update CIM information and recreate a subscription? How do I know when to notify a user?

Under what circumstances will the user be marked as CCH?

phpstudyone commented 2 years ago

I received the latest email from authorizenet and they mentioned: "CCH responses from Account Updater will no longer delete the associated payment profile"