Account updater
A service that refreshes stored card details after expiry or bank reissue so recurring payments do not fail on stale credentials.
See it
What it is
When a customer gets a replacement card, an account updater can refresh the saved number or expiry date before the next renewal fails. Card networks run the service, while payment providers usually expose it as an automatic update instead of a feed you handle directly.
Turn it on for subscriptions and other card-on-file payments to recover credentials changed by routine expiry, loss, theft, or bank reissue. It works alongside network tokens, dunning, and customer requests to add a different payment method.
Coverage is not universal and an update is not permission to charge. Issuers, networks, countries, and providers participate differently, so keep consent records, handle unusable-card notices, and retain a normal card-update flow for the customer.
Ask AI for it
Enable Visa Account Updater and Mastercard Automatic Billing Updater through your PSP's card-updater setting for every eligible saved payment method. Consume credential-updated and credential-closed events idempotently, refresh only safe display metadata such as brand, last four, and expiry, preserve the customer's stored-payment consent, trigger dunning when no usable credential remains, and report recovered renewals separately from ordinary retries.