So… Your Capital One Cards Suddenly Stopped Working?
Remember when you could save and tokenize your Capital One cards without any issues? That changed recently, and not because of anything on your end, but because Capital One started moving their debit cards from Visa/Mastercard over to the Discover network. Apparently Discover is a thing again. It’s not your grandfather’s card anymore or is it?
When a card jumps networks, its entire identity changes behind the scenes. The card number may look familiar, but the token rules, network settings, and verification paths all change. At that point, the old saved token no longer matches the new version of the card. It should work no problem, right? People think through this type of stuff before they do anything this hasty. Wrong, and your gateway can’t glue the old and new profiles together.
What can you do about it?
- One-time payments will still go through normally, but if you tokenized the card that’s not really an option.
- Saving the card for future use is hit-or-miss, depending on which network version of the card you have.
- If a previously saved Capital One card suddenly stopped working, it’s because the card was moved to the Discover network.
If your Capital One card isn’t saving or your recurring payments are failing, you will have to re-tokenization the (new) card and pray it works. I’m sure all your customers will totally understand and belive you.
Once updated, everything returns to normal. At least until Capital One moves the next batch of cards :0
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