card-expiry-detector

name	card-expiry-detector
description	Flags subscriptions with payment cards expiring within 30 days to enable proactive payment method updates. Propose-only output for human review.

Card Expiry Detector

Proactively identify customers whose payment cards are expiring soon.

What It Does

Scans card expiration dates in your Zoho Billing data and flags subscriptions at risk:

• Expiring This Month — card expires within the next 30 days
• Expired Last Month — card already expired (high failure risk on next renewal)
• Expiring Next Month — card expires in 30-60 days (advance notice)

The Output

A flagged customer table showing:

• Subscription Number — Zoho ID
• Customer Name — Customer identifier
• Card Type — Visa, Mastercard, etc.
• Last Four Digits — for customer identification
• Expiry Date — when the card expires
• Days Until Expiry — countdown to expiration
• Plan Renewal Date — next scheduled billing date
• Risk Level — high (renewal date < expiry date) or medium (time to update)

Segmented by Urgency

• Expired cards first (immediate action needed)
• Then expiring this month
• Then expiring next month

Decision Matrix Integration

The flagged customers from this detector feed into Recovery Recommender, which applies your decision matrix to recommend proactive outreach (e.g., "notify_payment_update_required" or "remind_card_expiry").

Propose-Only Approach

✓ This skill identifies expiring cards and flags them ✗ This skill never:

• Sends emails to customers
• Suspends subscriptions automatically
• Deletes payment methods
• Modifies subscription status

All flagged customers are presented as data for human review and action planning.

Common Invocations

• "Check for cards expiring soon"
• "Show me which customers need payment method updates"
• "Flag cards expiring in the next 30 days"
• "Which subscriptions are at risk due to card expiry?"