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.

Pre-requisites

Merchants need to opt in for Account Updater feature through MXM Portal > Settings > Account Updater (or via API).

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.