Overview
Automatic Card Updater (ACU) is a service that helps ensure the credit and debit cards your customers have saved—whether for recurring billing or in your customer profiles—stay up to date. ACU automatically checks with the card networks for changes like expiration dates or reissued cards and updates them behind the scenes. This reduces declined payments and service interruptions without requiring action from you or your customers.
What Is Automatic Card Updater?
Automatic Card Updater helps maintain up-to-date payment information by:
Updating expired or reissued cards
Reducing payment declines
Avoiding the need for customer outreach
Supported Cards: Visa, Mastercard, and Discover
Not Supported: American Express
Why Use Automatic Card Updater?
Here’s how Automatic Card Updater benefits your business:
Fewer failed transactions – Keep transactions flowing with fewer declines.
Better customer experience – Prevent service disruptions for subscribers.
Time savings – Eliminate the need to contact customers for card updates.
Improved cash flow – Help ensure consistent, uninterrupted payments.
Prerequisites
Your account must have Automatic Card Updater enabled.
You need administrative access to activate or manage Automatic Card Updater settings.
Common Questions
Can I activate Automatic Card Updater myself?
If your Merchant Service Provider has offered it to your account, yes. Otherwise, reach out to your Merchant Service Provider for assistance.
Will I be charged for using Automatic Card Updater?
Yes. Fees typically include a monthly service fee and per-update charges. Contact your Merchant Service Provider for exact rates.
Can I run updates immediately after activation?
Yes. When you first activate Automatic Card Updater, you’ll have the option to run an immediate update. This is only available once.
Need Help?
If you have questions or need assistance activating or configuring Automatic Card Updater, please contact your Merchant Service Provider.