Visa Account Updater Acquirer API

Enables VAU enrolled acquirers on demand access to updates on account credentials for card-on-file (COF) customers

available for use by

Acquirer Banks

Independent Developers

Regional Availability

View Details
  • N. America
  • Asia-Pacific
  • Europe
  • CEMEA
  • LAC
VAU benefits to the payments ecosystem

Proactively update buyer credentials prior to any purchase transaction

Visa Account Updater (VAU) Acquirer API will increase efficiency by streamlining the VAU inquiry process and reduce the time it takes for merchants to receive responses to VAU inquiries to seconds vs. the batch process. It supports operations similar to VAU Acquirer inquiry batch service and returns new PAN and Expiry date, Expiry date, or other service identifiers representing Account Closed, Contact Cardholder, Opt-out, no changes to PAN/Expiry date or no update available.

Key Features

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Helps improve authorization rates

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Decreases time gap between VAU inquiry and VisaNet authorization to ensure access to latest available updates

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Supports single and multiple cardholder account number (PAN) requests and responses. Use APIs with mobile, web, and in-brand applications.

Identify opportunities within your existing merchant portfolio

Merchants with credentials-on-file business models

  • Contact merchants submitting recurring billing and/or installment transactions
  • Merchants with other card not present (CNP) transactions that have a card-on-file business model are also good candidates

Merchants with credentials-on-file business models.

Contact merchants submitting recurring billing and/or installment transactions

Merchants with other card not present (CNP) transactions that have a card-on-file business model are also good candidates

Merchants enrolled, but underutilizing VAU

  • Strengthen relationships with merchants
  • Promote the opportunity to receive greater VAU benefits by increasing inquiry frequency

Merchants enrolled, but no longer participating

  • Re-engage the merchants and have a conversation about the benefits of VAU
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