Updating your credit card — the safe flow, the gotchas

Updating a credit card on file should be routine, but the flow has a couple of points where customers either pay twice or fail to update auto-pay. This article covers the safe sequence.

Updating the card on file

1. Log in to the portal.
2. Account → Credit Card (or Payment Methods).
3. Click Add new card or Update card.
4. Enter the new card details. The portal uses the payment processor's hosted form — the card number never lands on our servers; we get back a tokenized reference.
5. Save.

What to verify after saving

This is the step customers most often skip:

• Default payment method — if you added a new card instead of editing the old one, the old card may still be marked as default. Set the new card as default explicitly.
• Auto-pay enabled — separate toggle from the card. If auto-pay was off, adding a card doesn't turn it on. Verify under Billing → Auto-pay.
• Remove the old card if you're sure it's not coming back. Otherwise leave it as a fallback.

What happens to a pending invoice

An invoice that was already due when you updated the card:

• If auto-pay is on: the next auto-pay attempt uses the new default card.
• If auto-pay is off: nothing automatic. You need to log in and pay manually with the new card.
• If the old card was already declined and the invoice is "Awaiting Payment": clicking Pay on the invoice prompts you to pick a payment method. Pick the new card.

Don't accidentally pay twice

If you're worried about a missed payment after the card change:

• Check the invoice status first. If it says "Paid," it's paid. Don't re-pay.
• If the status says "Awaiting Payment" but you see a recent charge on your card statement — wait a few hours; the gateway's confirmation sometimes lags. If it still shows Awaiting Payment after 24 hours, open a billing ticket with the invoice number and the transaction reference from your statement.

If your card was lost / stolen / replaced

Same process. Add the replacement card, set as default, remove the old card. The old token becomes invalid on the gateway side automatically once the bank invalidates the card — no action needed in the portal beyond marking the new card as default.

Alternative payment methods

Beyond credit card, the portal supports:

• PayPal — link your PayPal account; works the same way as a card for auto-pay.
• Bank transfer / ACH — for larger accounts or annual prepay; open a billing ticket to arrange. Slower clearing (3-5 days) so plan around due dates.
• Manual pay — turn auto-pay off and pay each invoice manually. Works fine; you're responsible for not missing due dates.

Security notes

• LYLIX does not store full card numbers. The portal shows only the last four digits and brand.
• Card details are entered on the payment processor's page, not ours. PCI scope is theirs.
• Never share your portal password with anyone who's helping you update a card. Set up a sub-contact instead — see Adding a team member.