Update stored credentials
You can maintain your stored cards and payment instruments updated using any of the following account updater services:
- Real-Time Account Updater – Update your card details and instruments stored in Vault either during authorization (Visa and Mastercard), or automatically as they are updated (Mastercard).
- Batch Account Updater – Update your card details manually, by uploading a batch file to an SFTP server (American Express, Mastercard, and Visa).
Card information updates can result from:
- Account closures
- Expiry date changes
- Cards being replaced that are reported as lost, stolen, or expired
Note
Issuer portfolio conversions are only supported by Mastercard Store & Update. A portfolio conversion from Mastercard to Visa will be reported as card_closed. Portfolio conversions from Visa to Mastercard are not supported. Issuer portfolio conversions are not supported by Visa Real-Time Account Updater or Mastercard Update & Retry.
During card information updates, one of the following combinations is possible:
- The card number changes, and the expiry date stays the same.
- The card number stays the same, and the expiry date changes.
- Both the card number and the expiry date change.
Alternatively, the account may be closed, meaning the account number and expiry date are no longer valid.