Cancel my renewal and refund

[bjm]

@user13016

I have had a renewal notice telling me that I have paid, thanks for the advanced notice. However, my card details are out-of-date so the money cannot be collected. If I do not update my card details will my cover lapse, which is what I want, or will Norton request payment? If I pay I will only ask for a refund as I have new key from Microsoft.

Hello @user13016
Note: “card details are out-of-date” may not prevent payment

What is a card account updater (CAU)?
A card account updater (CAU) is a service offered by credit card companies and payment gateways to help businesses maintain up-to-date credit and debit card information. When a customer’s payment information changes because of a card’s expiring or being replaced, the CAU automatically updates the card details in the business’s system. CAUs help reduce payment disruptions because of outdated card information and are helpful for businesses that operate with recurring payments or subscriptions.

@peterweb

Bank card providers have added a feature where they will automatically update your card’s expiry dates or card information if you get a new card. This is given to companies you have used the card in the past, and especially for recurring subscriptions so that you will not suffer any lapse in service if you forget to update for a given service provider.
Here is one example of how this works from Mastercard. Mastercard Developers
If you want to ensure you do not get charged by ‘accident’, be sure you remove your payment information from any online accounts you no longer wish to use.

Visa Account Updater (VAU)
Visa Account Updater (VAU) enables a secure electronic exchange of account information updates between participating Visa card issuers and acquirers for credential-on-file merchants, which enables a more seamless payment process.

When participating issuers re-issue cards, they submit the new account number and expiration date to VAU. Issuers also provide whether an account is closed or a card holder has opt-out out. Participating merchants through their acquirers send inquiries on their credentials-on-file to VAU and are provided with updated card information, if available. This helps participating issuers retain cardholders by maintaining continuity of their payment relationships with participating merchants.

What is a credit card account updater?
An account updater service helps your business automatically update and maintain the latest, most accurate credit and debit card details for your customers.
This is particularly important if your business relies on recurring payments; on charging customers every month, or year, for an ongoing membership or subscription.
A recurring payment is a type of card-on-file transaction. This is when you store your customers’ credit or debit card information ‘on file’ – enabling a quicker, simpler payment experience for the returning customer every time they make a purchase from your business. In industry parlance, these are known as merchant-initiated transactions (payments ‘pulled’ by you, rather than ‘pushed’ by the customer), and they’re generally seen as low-risk, highly convenient ways for you to take recurring payments from your customers.

The only catch? That, as we’ve mentioned, customers’ card details change. This could be for several reasons, including:

• A lost, stolen, or damaged card that had to be replaced
• Card expiry, or changes to its expiration date
• Account changes or closure
• At the cardholder’s request (they may have suspected fraudulent activity, changed their name due to marriage or divorce, or simply requested a different card design)
• The issuer updating the card’s security features

When card details change (and aren’t updated by the customers themselves), their payments bounce. This payment delinquency leads to subscription interruptions, customer frustration, and – if the stalled payment isn’t dealt with – churn.

By automating the process of updating this payment information, a credit card updater service helps your business avoid these negative repercussions – and their impact on your bottom line.

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Cancellation & Refund Request → Get started
Norton Official Support Help Center → Contact us
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• Norton Cancellation and Refund Policy
• How to request a refund for an annual renewal fee
• FAQ: Norton subscription and renewal
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• Stop your Norton subscription from automatically renewing
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Norton Community users urge Users that do not want automatic renewal to Unsubscribe and Delete their billing profile ~65+ days ahead…far enough ahead to avoid being billed.
Users may shop $ at reputable retail/online vendors.

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When you stop your subscription from automatically renewing:
Your subscription will continue through the end of your already paid subscription term, after which it will end and not automatically renew.
It typically takes a few hours from your request for the change to take effect.
Norton Extras may end when you stop your subscription from automatically renewing.