Card details change
Step 1 Card details change
A customer’s stored Visa card details may be reissued, updated, expired, converted or closed.
Protect recurring revenue with Visa Account Updater
Protect recurring revenue with Visa Account Updater
Keep your customers’ payment credentials up to date so you can prevent avoidable declines and keep recurring payments flowing.
Keep recurring payments flowing with Account Updater
Keep recurring payments flowing with Account Updater
Discover how Visa Account Updater can help improve payment experiences and support business growth.
Explore features that keep payment credentials current
Explore features that keep payment credentials current
Explore the core capabilities that help Visa Account Updater support simpler, more flexible payment acceptance.
How Account Updater works
How Account Updater works
See how Visa Account Updater helps strengthen your recurring payment strategy by updating stored card information and reducing payment disruptions caused by expired or replaced cards.
Issuers share updates
Step 2 Issuers share updates
Participating issuers share the updated account information with Visa Account Updater.
Merchants check for updates
Step 3 Merchants check for updates
Merchants or acquirers request the latest card information before processing stored-credential payments.
Merchants update and process
Step 4 Merchants update and process
Visa Account Updater returns the updates so merchants can refresh their billing files and continue processing payments.
Let’s talk Visa Account Updater strategies
Let’s talk Visa Account Updater strategies
Reach out to our team to learn how Visa Account Updater can help you offer your customers more payment options.
Visa Account Updater frequently asked questions
Visa Account Updater frequently asked questions
Learn more about Visa Account Updater by finding the answers to commonly asked questions here.
Does Visa Account Updater also provide cardholder name or address changes?
No. Visa Account Updater (VAU) supports only account number and expiration date changes as well as closed account and contact cardholder recommendation.
How do I enroll in Visa Account Updater?
Enrollment is easy. Review the participation requirement in the Visa Account Updater Terms of Use and contact your Visa representative, or email Visa Account Updater Client Support Team at (for North America customers), (for Europe customers), or [email protected] (for APAC customers).
What types of Visa Account Updater account changes are supported?
Visa Account Updater supports account number changes (such as for account upgrades or lost or stolen cards), new card expiration dates, account closures, product conversions and brand conversions. Visa Account Updater also supports transmission of recommendations that instruct the merchant to contact the cardholder for further payment instructions in some situations.
What are the addressable decline codes for Visa Account Updater?
Visa Account Updater can help reduce declines for these response codes.
Auth Response Code Auth Response Code Description 14 Invalid Account Number 46 Closed Account 54 Expired Card / No Expiration Date 04 Pick Up Card 07 Pick Up Card, Special Condition 41 Pick Up Card, Lost 43 Pick Up Card, Stolen 01 Refer to Issuer 02 Refer to Issuer, Special Condition
Discover more products for secure, reliable payments
Discover more products for secure, reliable payments
Learn more about other acceptance solutions that easily integrate with Visa Account Updater to power better payments.