Visa Account Updater Push Subscribe Service
Enables clients who subscribe to accounts (PANs) to receive updates on account credentials.
available for use by
Acquirer Banks
Regional Availability
View Details- N. America
- Asia-Pacific
- Europe
- CEMEA
- LAC
fees & terms
Free to use in Sandbox. Contact for Production fees. Product terms located at end of the page.
Secure Exchange of Account Updates
The VAU Push Subscribe service improves the acquirer experience by allowing sellers to subscribe to a list of cardholder PANs. When an issuer updates a PAN, VAU pushes the update to the acquirer/processor, enabling transactions with the latest information without needing additional checks.
Key Features
Proactive push of account updates to acquirers and merchants as soon as issuers send to Visa
Reduces declines and improves authorization rates by updating credentials, enabling a better customer experience.
Subscribe up to 100 PANs in one call, check subscription status, and unsubscribe PANs.
Why Use It?
The VAU Push Subscribe Service provides a significant advantage in terms of speed and efficiency by proactively delivering credential updates when changes occur. This eliminates the need for acquirers to request updates, streamlining the process.
It impacts Customer Experience:
- Frustration with payment experience
- Takes too much time to update
- Fees for late/declined payments
- Service delays and/or cancellation
It benefits Issuers
- Maintains top of wallet
- Simplifies portfolio management and changes
- Seamless cardholder experience
- Updates shared with Visa Token Vault
It impacts Merchants:
- Loss of customers
- Damage to brand reputation
- Decreased revenues
- Increased operational costs
It benefits Acquirers
- Eliminates the need to send inquiries to VAU and removes any uncertainty regarding potential updates from VAU.
- Strengthens relationship with sellers
- Service offering differentiator (value-added service)
- Reduces the acquirer file-transmission costs associated with batch update file transmission
How Does It Work?
Acquirers and processors can subscribe to a list (1-100) of cardholder primary account numbers (PANs) using Subscription Creation API. Once subscribed, they will automatically receive updates using Outbound (Callback) API whenever an issuer provides a VAU update to Visa for those PANs. This ensures sellers have current card information, reducing transaction declines from outdated details.
Additional APIs are also available to unsubscribe PANs and for checking the status of the PANs.
APIs Included
Subscription Creation API
This service allows up to 100 PANs to be subscribed for updates within a single request. Upon validation, the Visa Account Updater (VAU) will supply new updates if available or return the appropriate rejection codes and messages.
Subscription Inquiry API
This service enables clients to check the subscription status of PANs. It returns whether the PAN is "Subscribed" or "Not Subscribed," or provides error codes and messages if any issues are identified.
UnSubscribe API
This service enables the unsubscription of PANs. It returns "Success" upon successful completion or provides error codes and messages when issues are detected.
Outbound Callback API
The client, which includes acquirers and processors, is required to develop this API. This will enable VAU to transmit PAN updates to the client whenever a subscribed PAN is updated in VAU.