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The Card Account Updater is a powerful feature that automatically updates expiration dates and other information for tokenized payments before the cards expire. Card expiration is one of the top reasons recurring payments fail.

Operation

The Card Account Updater runs in the background. When a stored (tokenized) card is nearing expiration, or when the network detects an update to card details, your token is refreshed so future payments continue without interruption.

This feature relies on secure, standardized updates from major card networks (Visa, Mastercard, Etc.). If a card is reported lost or stolen and deactivated, updates are not applied for security reasons.

💡Please Note: The Card Account Updater only applies to tokenized cards. It requires no manual steps after tokenization is enabled.

Additional Information

We collaborate with major card networks (Visa, Mastercard, etc.) to get real-time updates on card changes so the moment card information is changed or is about to expire, it gets updated automatically. The only exception to this is when a card is reported lost or stolen and is canceled.

Benefits

You gain these advantages from the activity of the Card Account Updater:

• Fewer failed recurring payments because card details stay current.

• Lower operational costs by reducing outbound calls and emails to collect updates.

• Improved customer experience—no need for the customer to re-enter card details.

• Better PCI posture by avoiding manual collection or storage of raw card data.

• Reduced involuntary churn caused by customers canceling when contacted for updates.

Related Topics

Payment Portal

Portal Payouts Page

Customized Payments Onboarding

Frequently Asked Questions

Q: I have a question, but I can't find my answer here. How do I get more assistance?

A: You can ask any question at the number listed here. Contact our support team at (323) 370-0738 for the U.S. and (888) 370-2363 for Canada.