Your system must keep Click to Pay synchronized with cardholder profile changes and card lifecycle events. Before submitting lifecycle updates, your system should confirm the current card, consumer, and payment instrument status where applicable.
| Event | Required client action |
|---|---|
| Cardholder changes email, phone, or address | Update consumer information. |
| Card expiration changes | Update payment instrument. |
| Card is reissued | Update the existing payment instrument or enroll the new payment instrument, depending on the card lifecycle event. |
| Card is replaced due to fraud/loss | Delete or disable the old payment instrument and enroll the replacement as applicable. |
| Card is suspended | Evaluate whether the payment instrument should remain available or be updated based on program rules. |
| Card is closed | Delete the payment instrument. |
| Cardholder opts out | Process delete/opt-out flow and store the opt-out status to prevent re-enrollment. |