Visa Account Updater

Visa Account Updater (VAU) is a service that enables issuers, acquirers, and qualified merchants to exchange updated account information for recurring payments, credential-on-file (COF) transactions, Visa Direct transactions, and purchase return transactions.

With VAU, issuers can retain a cardholder’s merchant-payment relationship after account information changes. Updated information includes primary account numbers (PANs), expiration dates, closed accounts, and cardholder advices.

VAU supports:

• Account renewal or replacement.
• Account upgrades or downgrades.
• Portfolio acquisitions.
• Mergers or account closures.
• Lost or stolen card replacement.
• Account closures.
• Conversions to Visa from Mastercard, American Express, or Discover.

In LAC, VAU also supports conversions between Visa and non-Visa accounts.