Why was a payment processed using a different card than the default one on file?

A member was charged using a different credit card than the one saved as the default on their account (for example, an AmEx instead of their usual MasterCard). However, neither the studio team nor the member seems to have made any changes. Why did this happen, and how can it be avoided?

🧾 This type of situation can happen for two reasons:

• The default payment method was manually changed, either by a studio admin or by the member themselves through their account.

• The system never automatically changes the default card, except in one specific case: when the current default card is deleted.

This means:

• A failed payment (e.g., due to insufficient funds or expired card) does not trigger a switch to another payment method on file.

• If a different card was used, it’s because it was set as the default card prior to the charge attempt.

🔎 Important to know:

• There is no audit log to identify who changed the card (admin or member).

• To avoid this in the future, you can disable the ability for members to update their own payment methods.