> For the complete documentation index, see [llms.txt](https://help.peoplevine.com/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://help.peoplevine.com/products/control-panel-overview/charging-payments-overview/update-member-payment-method.md).

# How to Update a Member's Payment Method

### Before you begin (Prerequisites)

* **Permissions**: Experience Manager or higher. See: [How to Manage Users and Permissions](/products/control-panel-overview/admin-overview/manage-roles-permissions.md).
* **Admin Setup**: A payment processor must be connected. See: [How to Link a Payment Processor](/products/control-panel-overview/admin-overview/link-payment-processor.md).

### Instructions

1. Use the **Search** icon (magnifying glass) in the top navigation bar. Type the member's name or email and select their profile.

> Alternatively, navigate to [**MEMBERS > View Members**](https://control.peoplevine.com/membership/0/members), search by member name or member ID, and click **APPLY**.

> **Note (Pro Dash):** Navigate to **REWARD > Members > All Members**.

2. Click the member's name to open their profile.
3. Scroll to the **Payment Methods** section.
4. Click **EDIT** on the payment method you want to update. This opens the **Manage Payment Methods** page for that member, where you can edit payment details, copy, or remove the payment method.
5. Update the payment details and click **SAVE PAYMENT INFORMATION**.

> **Note**: If a payment method shows N/A and cannot be edited, it is a **Global Network card** — it was added from another tenant and cannot be modified in the current company.

#### To Add a New Payment Method

1. Follow steps 1-3 above to navigate to the member's Payment Methods section.
2. Click **+ ADD NEW PAYMENT METHOD**.
3. Under **Use For**, select what this payment method will be used for:

| Use For                     | What it's used for                                        |
| --------------------------- | --------------------------------------------------------- |
| **Default Payment Method**  | General-purpose card for any charges                      |
| **Membership Dues Billing** | Recurring membership billing                              |
| **Food & Beverage**         | POS integration charges (Toast, Micros, Lightspeed)       |
| **Spa and Activities**      | Spa integration charges (Book4Time)                       |
| **Hotel Stays**             | PMS/Hotel integration charges (Opera, Mews)               |
| **Add to Wallet**           | Saves card to profile without assigning to a specific use |

4. Under **Enter Payment Details**, select **Direct Debit** or **Credit Card**.
5. Enter the payment details and optionally label the card in **Save Card As** (e.g., "Work Visa").
   * **Credit Card**: Name on Card, card number, expiry date, CVC, Country/Territory.
   * **Direct Debit (ACH)**: Bank name, routing number, account number, billing address.
6. Click **SAVE PAYMENT INFORMATION**.

> **Important**: The "Use For" assignment only applies when payments are processed by staff in the Control Panel or by automated billing (membership dues, house account sweeps, integration charges). When members pay through the Member Portal checkout, they see all saved payment methods and choose freely — the "Use For" setting is not enforced.

> **Member Portal**: Members can also add or update payment methods themselves via the Member Portal under **Account > Wallet > Payment Methods**. In the portal, members can only set three "Use For" options: **Default**, **Membership**, and **Food & Beverage**. The Spa and Activities, Hotel Stays, and Add to Wallet options are not currently available in the portal UI.

> **Decline emails**: If a member's card is declined for membership dues, they receive an email only if the client has set up a triggered email for failed dues. This is not automatic for all clients. Declines for spa or POS charges do not trigger an email.

> **Best practice (ACH for dues, CC for house account)**: If a member wants ACH for membership dues only and credit card for house account/club spend, set the ACH to **Add to Wallet** (this puts it last in the payment priority order for house accounts) and make sure the ACH is assigned to the subscription so it keeps automatically charging dues. Set the credit card to **Default Payment Method** so it is the first payment used for house account charges.

> **3DS authentication**: If a member's card keeps declining with "This transaction requires authentication," the old card was likely added before the current 3DS flow. The member must remove the old card and re-add it themselves through the portal — staff cannot complete the 3DS challenge on the member's behalf.

#### To Delete a Payment Method

1. Follow steps 1-3 above to navigate to the member's Payment Methods section.
2. Click **REMOVE** on the payment method you want to delete.

> **Important (GoCardless / ACH)**: When an admin deletes an ACH record via the Control Panel, the GoCardless mandate is **not** automatically cancelled. This is a safeguard so refunds on prior transactions remain possible. After deleting the ACH record, you must also cancel the mandate directly in GoCardless. If a member deletes their own ACH via the Member Portal, the mandate is cancelled automatically.

### Best Practice

If a member is in Failed status after a card decline, there are three options:

1. **Portal paywall (recommended)** — Ask the member to log into the Member Portal. They will hit the paywall and can update their payment method and pay their outstanding dues directly.
2. **Payment authorization form** — Keep the member in Failed status and send them a payment authorization form. Once they submit a new payment method, take payment on the subscription to reactivate them.
3. **Generate an invoice on the subscription** — If the member needs to be put back to Active status immediately, generate an invoice on the subscription (this returns the member to Active). Then wait for the member to add a new payment method (via portal or payment authorization form) and close the invoice. This is the least preferred option because the member has access while the invoice is unpaid.

> **Note**: If you take payment via the subscription, always check the next billing date afterward to make sure it is accurate.

### What Happens Next

* **On the member side**: Future recurring charges will use the updated payment method.

*Last updated: 2026-05-24*


---

# Agent Instructions
This documentation is published with GitBook. GitBook is the documentation platform designed so that both humans and AI agents can read, navigate, and reason over technical content effectively. Learn more at gitbook.com.

## Querying This Documentation
If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question.

Perform an HTTP GET request on the current page URL with the `ask` query parameter, and the optional `goal` query parameter:

```
GET https://help.peoplevine.com/products/control-panel-overview/charging-payments-overview/update-member-payment-method.md?ask=<question>&goal=<endgoal>
```

`ask` is the immediate question: it should be specific, self-contained, and written in natural language.
`goal` is optional and describes the broader end goal you are ultimately trying to accomplish on behalf of the user. GitBook uses it to tailor the answer towards what is most useful for that goal.

The response will contain a direct answer to the question and relevant excerpts and sources from the documentation.

Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.