Take the hassle out of maintaining up-to-date customer payment details with PCE Account Updater. This backend service automatically refreshes vaulted card information whenever a customer’s card expires, is reissued, or replaced. By eliminating manual updates, merchants see fewer declines, reduced operational costs, and lower risk of sensitive data handling.

With Account Updater enabled, payment details stay current across your customer base—ensuring seamless transactions and a better customer experience.

Benefits

• Fewer Declines: Keep transactions flowing with updated card credentials.
• Reduced Operational Costs: Eliminate manual work of chasing or replacing customer card data.
• Improved Security: Minimize risks from staff handling sensitive card information.
• Customer Retention: Frictionless payments encourage long-term customer loyalty.

How It Works

• Daily Submission: All vaulted customer card accounts are securely submitted to supported card brands (Visa, Mastercard, Discover).
• Card Brand Check: The networks identify updates such as:
  • Expired cards
  • Lost or stolen cards
  • Bank-issued replacements or upgrades
  • Account number changes
• Automatic Sync: Updated details (card number, expiry date, closure status, etc.) are automatically applied to the customer’s vaulted card.
• Merchant Visibility: Each update is logged in the customer’s history for transparency.

Impacted Components

• Vaulted Cards
• Customer Profiles
• Payment Processing Flows