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Updating, Editing, and Removing Stored Credit Cards

Making Changes to Saved Payment Methods

Administrator

Last Update: April 30th, 2026

Updating and editing stored payment methods can be done from the management side or the public side of the household account. However, stored cards can only be removed/deleted by the public user. If the user has only one stored card, and it is connected to a recurring payment (Payment Plan), it will not be possible to remove it since there is an active payment schedule tied to that card. The payment plan will have to be updated with a new payment method before the public user can delete the stored card. 

For the steps in this process, click User Needs to Change Card in the Management Side Updates section below or scroll down to Public Side Updates for instructions on how the public user can complete this process.

Management Side Updates

Updating Payment Methods on Payment Plans

 

3 consecutive credit card declines

 

The card expired

 

User needs to change card

 
 

If the payment plan was paused due to 3 consecutive credit card declines, updating the card will automatically unpause the plan and make it Active. 

How to update the card on a paused payment plan that had 3 consecutive credit card declines:

  1. Access the Main tab of the household or organizational account from the menu on the left
  2. Select the link View Payment Plans on the right side of the screen
  1. Click on the Paused tab along the top of the View Payment Plans page
  • Select the link Update Card to choose a different stored payment for the paused payment plan
  1. In the Select a stored payment section, choose a stored card or Add a New Payment Method
  • If you select the card that is currently being used to update the billing address, expiration, or nickname, click the Update Selected Payment button
    • Make necessary changes, click the agreement checkbox, and click Update
  • If a different stored card is selected as a stored payment, click the Update Selected Payment button
    • Prior to clicking the Update Selected Payment button, you can send an email to the member to let them know about the change
  • If Add a New Payment Method is selected, click the Continue to Payment Form to add a new card to store 
    • Prior to clicking the Continue to Payment Form button, you can send an email to the member to let them know about the change
  1. Once in the payment form, enter the Credit Card Information and agree to store the card in the gateway
  2. Click the Submit button

If the card expired, select Update Card on the View Payment Plans page.

  • If the card number is the same, but the expiration date has been updated, they can update the expiration information for that particular card
  • Another stored payment method can be selected to use on a payment plan
  • A new payment method can be added to use on a payment plan
    • Note: If the card on file is expired or within its expiration month, you will see the Update Card link on the Paused tab screen as well as on the View Payment Plans page

How to update the expired card on a paused payment plan:

  1. Access the Main tab of the household or organizational account from the menu on the left
  2. Select View Payment Plans on the right side of the screen
  1. Click on the Paused tab along the top of the View Payment Plans page
  1. Select Update Card to update or choose a different stored payment for the paused payment plan
  1. In the Select a stored payment section, choose a stored card or Add a New Payment Method
  • If you select the card that is currently being used to update the billing address, expiration, or nickname, click the Update Selected Payment button
    • Make necessary changes, click the agreement checkbox, and click Update
  • If a different stored card is selected as a stored payment, click the Update Selected Payment button
    • Prior to clicking the Update Selected Payment button, you can send an email to the member to let them know about the change
  • If Add a New Payment Method is selected, click the Continue to Payment Form to add a new card to store 
    • Prior to clicking the Continue to Payment Form button, you can send an email to the member to let them know about the change
  1. Once in the payment form, enter the Credit Card Information and agree to store the card in the gateway
  2. Click the Submit button
 
  1. Access the Main tab of the household or organizational account from the menu on the left
  2. Select the link View Payment Plans on the right side of the screen
  1. Click on the Paused tab along the top of the View Payment Plans page
  2. Click the Plan # link for the plan that needs an updated payment
  1. At the top of the screen, click the Update Payment Information link
  1. Set the billing contact, if changes are needed
  2. Select Add a New Payment Method
    1. Uncheck the box if you do not wish to send an email to the billing contact
  3. Click Continue to Payment Form
  4. Complete the credit card information page
    1. Follow steps to Store Your Payment Info
    2. Check the agreement box for card storage
  5. Submit payment
 
 
 

Public Side Updates

Updating Payment Information for a Payment Plan

  1. The public user will go to their account
  2. View the Overview page
  3. Click the Plan # for the payment plan that needs to be updated with a new or edited payment
  4. Click Update Payment Information on the right side
  1. Select a different stored card on file or Add New Payment Method
  2. Select to Save or Update
    1. Click Save to change the payment method to the one selected (do this is you are planning to delete the existing card once it is no longer assigned to the payment plan)
    2. Click Update Selected Payment to edit and update the selected payment method

 

 

Editing Stored Payment Methods

The public user can also update their payment methods and edit their credit cards from the My Account page on the public side.

  1. Log in to the MyRec.com public site
  2. Click into My Account
  3. Near the bottom of the screen, click Edit Payment Methods
    1. This will only be clickable by the account Billing Contact
      1. If the user cannot click the Edit Payment Methods link, they should verify that they are logged in as the account billing contact
      2. Non-billing contacts can see the option, but they cannot click the link for security
  1. Click Edit This Payment Method below the correct card to edit the following details for that card
    1. Billing info
    2. Expiration date
    3. Nickname

Limited Access to Editing

Only the household Billing Contact has access to the Edit Payment Info link on the public household. Other users will not be able to access the page via the link, and that is intentional for security.

 

Deleting Stored Cards

A card cannot be deleted if it is still assigned as the payment method for a payment plan. See the “Updating Payment Information for a Payment Plan” section above for steps to replace a card assigned to a payment plan with another card so you can proceed with deleting the stored card on file.

  1. The public user visits their Account Overview, and under the Finance section, they select Edit Payment Methods. 
  2. Click Edit This Payment Method
  1. If the card can be deleted, you will see Remove Payment Info
    1. If you do not see this option, the card is being used elsewhere, and you should check other payment plans and remove the card from those as well
    2. To delete the stored payment method, click Remove Payment Info
 
 

 

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