Account Updater keeps your vaulted cards current. It refreshes stored card details when a card expires, is reissued, or is replaced, so recurring and repeat payments keep working without asking the customer for a new card. Fewer avoidable declines means less churn and less manual work chasing updated card data.

Benefits

• Fewer declines: repeat and recurring charges keep working on refreshed credentials.
• Less manual work: no chasing customers for new card details.
• Better security: less handling of sensitive card data by staff.
• Higher retention: frictionless payments keep customers subscribed.

How it works

• Submission: your vaulted customer card accounts are submitted to the supported card brands.
• Network check: the brands identify changes such as expired cards, reissued or upgraded cards, and account number changes.
• Sync: updated details (card number, expiry date, and status) are applied to the customer's vaulted card automatically.
• Visibility: each update is recorded so you can see what changed on a customer's stored card.

Used in these scenarios

Account Updater works behind the stored-card flows:

• Charge a saved card: refreshed credentials keep repeat charges working.

See also

• Card Vaulting: store cards to be kept current
• Handling Declines: reduce and recover declines
• Payment Webhooks: the ExpiredCard event