Case Study: Capital One keeps recurring payments seamless during Mastercard-to-Discover migration with Very Good Security

Capital One prepares 25 million cardholders for network migration with Very Good Security

Capital One faced a significant challenge when it announced the migration of its debit card portfolio from Mastercard to Discover, a move that threatened to cause widespread payment failures for merchants relying on recurring transactions. This network change meant stored card credentials would become outdated, leading to interrupted subscriptions, lost revenue, and frustrated customers. Very Good Security provided a solution to this problem.

Very Good Security implemented its Value Added Services, a combination of VGS Account Updater, Card Attributes, and Network Tokens. This suite automatically updated expired card credentials, provided rich card intelligence for smarter payment routing, and used secure network tokens that remain valid even after a card is reissued. The result was zero customer disruption, no manual intervention for merchants, and preserved recurring revenue streams, effectively future-proofing businesses against the ongoing migration.

Capital One