Card Account Updater
Saved cards that update themselves.
When a bank reissues a card, the new number and expiry date reach your vault before the next charge. Renewals keep going through and customers never re-enter a card.
- Number
- •••• 4242
- Expiry
- 09/26
Why an updater
A reissued card should not cost you a customer.
New expiry dates
Cards that are renewed with a new expiry date are updated in the vault before their next charge.
Replacement numbers
Lost, stolen or upgraded cards come back with their replacement number, against the same saved card.
Closed accounts flagged
When a card account is closed you know up front, so you ask the customer instead of retrying a dead card.
Updated in your vault
Updates land in the Orchestrapay vault you own, not in one processor's copy of the card.
Works with every processor
Because the card is updated once in the vault, every processor you route to gets the current details.
No integration work
Your saved cards and API calls stay the same. The update happens between charges.
What the updater can tell you
Four answers, each handled before the card is charged.
Your saved cards are checked with Visa Account Updater and Mastercard Automatic Billing Updater. Every response changes what happens next.
New expiry date
The vault stores the new date. The next charge goes through as normal.
New card number
The replacement number is vaulted against the same saved card and customer.
Account closed
The card is flagged so you stop retrying it and ask the customer for a new one.
Contact the cardholder
The issuer has no update to share. You hear about it before the renewal, not after.
How it works
Checked, updated and charged, between renewals.
Check
Saved Visa and Mastercard cards are sent to the networks' updater services ahead of their next charge.
Update
New numbers and expiry dates are written to the vault. Closed accounts are flagged.
Charge
The renewal runs on the current card, on whichever processor your routing picks.
Questions teams ask before they switch.
A service run by the card networks. Issuers report reissued, renewed and closed cards to it, and merchants with stored cards can ask for the current details. Visa calls it Visa Account Updater (VAU) and Mastercard calls it Automatic Billing Updater (ABU).
Stop losing renewals to expired cards.
Tell us how many saved cards you bill and how often. We will show you how many are due for an update and what it costs.
- Visa and Mastercard updates in one vault
- No customer asked to re-enter a card
- A transparent number before you sign anything