Card automatic renewal

Card automatic renewal simplifies the process of replacing an expiring card to ensure uninterrupted service. Once properly configured, the system automatically produces and sends a new card before the current card expires, reducing manual work for both issuers and cardholders.

How to enable automatic card renewal

To enable automatic renewal, you need to configure certain system properties. Follow these steps:

1. Go to Administration > Settings > System properties.

2. From the content menu, select card-api to view and edit the relevant parameters. A description of each parameter is provided in the table that follows.

Code	Description
CARD_RENEWAL_MONTHS_AFTER_LIMIT	Number of months after card expiry when card renewal is still allowed. Controls how long after expiry a card remains eligible for renewal if not renewed earlier.
CARD_RENEWAL_MONTHS_BEFORE_LIMIT	Number of months before card expiry when card renewal becomes allowed. Sets the earliest time before expiry that a card can be renewed.
CARD_RENEWAL_PROCESS_FINISH_MONTHS_BEFORE	Number of months before card expiry when the card renewal process must be finished (card created and ordered). Defines the deadline for completing the card renewal.
CARD_RENEWAL_PROCESS_START_MONTHS_BEFORE	Number of months before card expiry when the automatic card renewal process starts. This is when the system begins checking for cards eligible for automatic renewal. Cards must be active, renewable, and nearing expiry.

How automatic card renewal works

Once the system properties are configured, the card renewal process runs automatically according to the defined settings. Here’s how it works:

1. When the card reaches the specified number of months before expiry (as set by CARD_RENEWAL_PROCESS_START_MONTHS_BEFORE), the system identifies cards eligible for renewal and creates renewal records. Whether a card is renewable or not is initially determined by the card product but can be adjusted in the card settings. At this stage, no new card is produced yet.

2. The issuer reviews these renewal records and decides which cards should proceed with renewal. This step may include notifying the cardholder to confirm or update their details before renewal.

3. For approved renewals, the system completes the process before the finish deadline (as set by CARD_RENEWAL_PROCESS_FINISH_MONTHS_BEFORE) by creating and ordering the new card.

4. Once the cardholder activates the new card, the old card is automatically deactivated. Both the old and new cards remain linked to the same account, ensuring a seamless transition.