Visa Account Updater vs Mastercard ABU: How Card Network Updaters Work

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Visa's own FAQ says about 30% of card accounts in an issuer's portfolio change or close each year, so stored cards can go stale within a year. Scheme-run account updater services such as Visa Account Updater, Mastercard ABU, Amex Cardrefresher and Discover's Network Account Updater address this by letting issuers record card changes that merchants can then read. Visa's rules require issuers to submit number or expiry updates within two business days of activation, and allow closed-account advice only for permanent closures. Merchants and their acquirers may only inquire about cards tied to an ongoing customer relationship with authorised recurring payments, and a 'no match' result does not guarantee the card will approve. The article notes that network-specific behaviour and PSP handling often cause practical problems that most explanatory guides overlook.

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ProgrammingDEV Community ·

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