Visa Account Updater

Identify merchants that have requested updated card information.

Visa Account Updater enables a secure electronic exchange of account information updates between participating Visa card issuers and acquirers for credential-on-file merchants, which enables a more seamless payment process.

available for use by:

Issuer Banks
Independent Developers

Secure Exchange of Account Updates

Visa Account Updater (VAU) enables a secure electronic exchange of account information updates between participating Visa card issuers and acquirers for credential-on-file merchants, which enables a more seamless payment process.

When participating issuers re-issue cards, they submit the new account number and expiration date to VAU. Participating merchants send inquiries on their credentials-on-file to VAU and are provided with updated card information, if available. This helps participating issuers retain cardholders by maintaining continuity of their payment relationships with participating merchants.

Key Features

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Provide up-to-date information on merchants that request your cardholder's updated card information.

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Enable you to deliver a better customer experience.

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Identify merchants that have obtained updated card information.

Why Use It?

VAU participating issuers can obtain up-to-date information on credential-on-file merchants that have requested updates on your customer's cards so you can deliver a better customer experience when your cardholders want to know the merchants that have obtained their new card information. 

How Does It Work?

As a VAU participating issuer, the Visa Account Updater Issuer Reporting API provides you with up-to-date information on merchants that have requested updates on your customer's cards. When your cardholder contacts you to find out which merchants have obtained their new card information, you can submit the account number and expiration date in the Visa Account Updater Issuer Reporting API to obtain a list of merchants that have requested an update on the account number.

This API will identify the merchants that have requested an update, the date of their inquiry and the type of update they received from VAU.

APIs Used

Visa Account Updater Issuer Reporting API

Enables you to submit one or more account numbers and obtain a list of merchants that have requested updates on the customer's card account number(s).

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