A method of collecting a payment from a postage meter customer having a past due account including receiving a service request from the postage meter, requesting that the customer provide credit card information through the postage meter for purposes of charging the payment, and performing the service if the customer provides the credit card information, and denying the service if the customer does not provide the credit card information. Also, a method of updating payment method information for a customer including receiving a request from the postage meter for a postage refill to be charged to default credit card, attempting to charge payment for the refill to default credit card and determined that the charge has been rejected, receiving new credit card information from the postage meter and thereafter providing the postage refill and storing the new credit card information for use in the future trasactions.