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Manage Your Payment Methods

Goal: Keep the cards and bank accounts the affiliate has on file accurate and current — so recurring gifts and pledge payments process smoothly without you having to re-enter details every time.

Where they live​

Your saved payment methods are at /donor/payment-methods. You'll see:

  • Each saved card or bank account
  • The last four digits and the expiration / status
  • Which one is set as your default
  • Whether each is active or expired

Adding a new method​

When you make a one-time donation or set up a recurring gift, you can save the payment method for future use. Or, from /donor/payment-methods directly:

  1. Click Add Payment Method
  2. Enter card or bank details
  3. Save

The method is tokenized by the affiliate's payment processor (Finix). Your raw card or account details are not stored by the affiliate — only a token that lets future charges reference the method.

Setting a default​

The default method is what gets used when you start a new recurring gift or pledge payment without picking explicitly. To change:

  1. Find the method you want as default
  2. Click Set as Default

Existing recurring schedules continue to use whichever method they were set up with — changing the default doesn't retroactively change them.

Removing a method​

Removing a saved method:

  1. Find it in the list
  2. Click Remove
  3. Confirm

If the method is in use by an active recurring gift or pledge schedule, you'll be asked to confirm — removing it will cause future charges to fail unless you also update the schedule.

When a card expires​

When a card's expiration date passes:

  • The method is marked expired in your payment method list
  • Recurring gifts using that card will fail on the next attempt
  • You'll get an email asking you to update

Add the new card before the old one expires to avoid an interruption.

Why you might use ACH instead of a card​

ACH (bank account) is usually free for the affiliate to process, while card payments have processing fees. Some donors prefer ACH for larger gifts or recurring schedules to maximize the share that goes to programs.

ACH transactions take 3–5 business days to settle, vs. cards which settle within 1–2 days. For recurring gifts the difference doesn't matter.

Keeping your information secure​

Card and bank details on file are tokenized — neither the affiliate nor Ayuna stores your raw account information. Each charge happens through the processor (Finix) using the token.

If you suspect any unauthorized use:

  • Contact your bank / card issuer first to dispute or freeze
  • Then notify the affiliate so they can update your account

Updating your billing address​

The billing address on saved methods is captured at the time of save and doesn't update automatically when you move. To update:

  • Remove the old method
  • Add it again with the updated address

The affiliate uses the donation address (your shipping/contact address) for receipts, not the billing address — so receipts will still go to the right place even if the billing address is stale.

Donor-covered fees​

If you've opted in to cover processing fees on your gifts, that preference stays with the saved method. Each future charge using the method will include the fee on top of the donation amount.