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Account Updater

Keeping recurring payments rolling, so your customers receive an uninterrupted service. Account Updater service keeps your cards-on-file details up-to-date, so you never miss a payment and your customers receive a seamless experience.

Why use Account Updater?

Reduces payment declines

Keep card-on-file details up-to-date to increases payments approval rate.

Improve customer retention

Keep customers coming back by creating a great experience.

Reduces service cost

Less unnecessary customer interactions.

What is Account Updater?

Nothing is more frustrating than having a card payment rejected because of a new expiration date or account number.

Keeping customers’ payment information up-to-date does not need to be complex, costly and time-consuming anymore.

Trust Payments Account Updater automatically updates customers’ card details for you when they change. So you get paid on time and your customers enjoy a seamless uninterrupted service. You can focus on growing your business and customers can focus on living their lives.

We support both Visa Account Updater (VAU) and Mastercard’s Automatic Billing Updater (ABU) services. This means all Mastercard and Visa-branded cards are supported.

How it works

1. Submit stored card details

Submit your stored card details 3 working days before billing.

2. Card details are checked

Card details are checked by the card scheme network and updated.

3. Receive card details updated

Receive a file with your card details updated.

Customer benefits


Yes. A standard fee applies across each ‘Scheme Request’ initiated.

We recommend allowing 3 business days prior to the payment due date.

You may opt out of at any time by contacting our customer services at [email protected].

It is a standard API integration.

No action is required by the cardholder.

Security statement

Security is our top priority at Trust Payments and we strive to ensure that all data is kept secure at all times We keep all customer data safe with AES256 encryption, SSL Certificates, and a minimum of TLS1.2, between your website and our datacentres.

Our systems are scanned quarterly using the Qualys PCI Platform, an independent Qualified Security Assessor (QSA) and approved vendors – Omnicybersecurity (UK) & Forgenix (US) – to ensure compliance with the security requirements of the card schemes.

We follow a number of rigorous security procedures on a daily basis including, but not limited to, continuous monitoring of our perimeter, dark web monitoring, and internal checks to ensure that CIA triad is maintained at all times.

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