# Recurring subscription payment cards

A member with a recurring subscription must authorise a payment card with [Strong Customer Authentication (SCA)](https://en.wikipedia.org/wiki/Strong_customer_authentication) for the billing amount and frequency of their [recurring subscription billing option](/digital-platform/subscriptions/purchase/billing-options#recurring-subscription-billing-options).

## Get current recurring payment card

The member's current recurring payment card is indicated by the `isUsedForRecurringSubscriptionBilling` property of
their [member payment cards](/digital-platform/loyalty/member-payment-cards).

## Update recurring payment card

A member with a [recurring subscription](/digital-platform/subscriptions/recurring) may update their recurring payment card at any time. The updated
recurring payment card will be billed for their next subscription billing period.

### Member eligibility

A member is eligible to change their recurring payment card when:

- They have a recurring subscription that's `Active` or `OnHold` and hasn't been cancelled, or
- They have purchased a `future` recurring subscription.


NOTE
Members with a `Frozen` recurring subscription due to a [billing error](/digital-platform/subscriptions/recurring/billing-errors) can update their recurring payment card and restore their subscription benefits by [reactivating their subscription](/digital-platform/subscriptions/recurring/reactivation).

### Update recurring payment card flow

```mermaid
flowchart TB
    A(Member authentication) --> B
    B(Create recurring subscription payment card) --> C
    C("Switch to Vista recurring billing (optional)")
```

### Member authentication

[Authenticate the member](/digital-platform/loyalty/member-authentication) and check that they are [eligible to change their payment card](#member-eligibility).

### Create recurring subscription payment card

Use the [CreateRecurringSubscriptionEmbeddedPaymentCard](/openapi/digital-platform/openapi/subscriptions/ocapimembersubscription_createrecurringsubscriptionembeddedpaymentcard/) endpoint to create a new recurring payment card for the member's subscription.

```json
{
  "webPaymentMethodId": 0,
  "redirectReturnUrl": "http://example.com",
  "languageTag": "string"
}
```

This endpoint returns the details required to render an embedded payment UI for the member to authorise their payment card.

```json
{
  "memberPaymentCardId": "string",
  "webPaymentMethodId": 0,
  "connectorFunctionName": "string",
  "connectorParametersJson": "string",
  "createCardTokenUrl": "http://example.com",
  "sdkScriptUrls": ["string"],
  "isButtonIncluded": true,
  "isPrimaryCardOptionIncluded": true,
  "connectorScriptUrls": ["string"]
}
```

NOTE
For access to embedded payment UI reference code, talk to your local Vista representative.

### Switch to Vista recurring billing (optional)

If a member is using a [third-party payment provider](/digital-platform/subscriptions/recurring/third-party-payment-providers) for recurring subscription billing, they may update their subscription to use Vista billing.

See [switch to Vista recurring billing](/digital-platform/subscriptions/recurring/third-party-payment-providers#switch-to-vista-recurring-billing) for more information.