I'm not sure how it works if you want to manually change the card, but depending on what country you're in and card you use, Stripe communicates with banks behind the scenes to update your card details automatically when new ones are issued.
XF supports recurring payments for users (see below). In the instance below, a user is charged $45/m. What if the user wants to update the bank card attached to their account? For example, if the card expires.