Comment by exidy
2 days ago
This may not even be a case of Visa Account Updater. Recurrent charges (subscriptions, gyms etc) may not even be sent online, they are just processed in batch. Visa/Mastercard is a dual message system where a real-time auth is followed by an overnight batch which clears the auth and posts the actual transaction to the account. Transactions posted in batch cannot be denied per se, but can generate automatic reversals that would be sent in the next batch.
Under the bonnet, card hosts like Base2000 have an underlying account number for the credit facility, and various PANs (card numbers) are attached to that. Even if a singular card is cancelled, transactions posted in batch can be routed to the appropriate credit facility as the host knows all current and past PANs.
If you have subscriptions that are difficult to cancel, the best path is to ask your bank to block and/or dispute the transactions in question. Getting a new card with a new PAN may not be sufficient.
Some payment systems here failed when banks switched to Visa as their debit card issuer. Some systems were hardcoded to interpret the Visa issuer identifier automatically as a credit card.
Also, sometimes getting a new credit card will still have the same number, just a new expiration date and security code.
Also take note that a recognized payments processor using the bank's api does not need to prove anything when they create a new recurrent payment on your account. They can do so at will. The bank relies solely on you noticing and disputing that claim. Services that consult you in becoming such a processor stress this as a 'feature' accompanied by abundant nudges and winks.
Good doc on PANs https://stripe.com/resources/more/primary-account-numbers