There are several ways you can update the card for an active recurring payment. Although we talk about cards here, all the options below can be used for other payment methods as well. With FinDock native direct debit methods, you can also use data entry.
Before implementing a FinDock option, it is worth checking with your PSP what they have to offer. Many include automatic card refresh services that may be available to you. FinDock will automatically get a new token for the refreshed card. However, do note that the expiration date for the card on the Payment Profile record is not updated, so the card may appear expired from the Salesforce-perspective without customization to handle the date change.
PayLinks are a very easy way to allow payers to update their card information themselves. The paylink is unique to each recurring payment (stored on the Setup URL field) and can be shared directly with the payer.
The payer simply clicks the link, selects credit card as the payment method, and enters the new card information requested by the given PSP.
If you would like service agents to be able to update cards for payers, then the FinDock Payment component is the way to go. Use the component on your recurring payment object to set up (change) the payment method on an existing record with information provided by the payer.
Using the Recurring endpoint of the Payment API, you can build a custom web portal around your card update processes where payer's can update the payment method themselves. This is a good use case for integrating Experience Cloud to the Payment API, for example.
It is always possible to cancel the existing recurring payment and ask the payer to create a new one via Giving Pages or a custom page integrated to the Payment API.