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Keep recurring revenue flowing without chasing customers.

Stop subscription churn from expired cards.

Up to 32% of subscription payments fail — and most of those failures are simply expired cards, not customers who want to leave.

Did you know that up to 32% of all subscription payments fail and the majority of the declines are due to expired cards? Automatic Card Updater (ACU) ensures your merchants’ cards on file are always up to date.

How does it work?

ACU keeps stored credit cards updated by validating data with the card networks. It seamlessly supports any card on any processor and produces a detailed report for every update.

Key features

Up to 32% of subscription payments fail due to expired cards. ACU automatically validates and updates stored card data with the card networks — no manual intervention needed.

  • Processor agnostic: works for any card/processor combination.
  • Merchant-defined custom schedules run behind the scenes.
  • Supports all recurring plans and memberships, with or without Customer Vault.
  • Brandable documentation available for your merchants.
  • Supports tokenized data in Customer Vault for enhanced security.
  • Produces a detailed report for every card update automatically.

Benefits for your merchants

  • No update, no charge.
  • Reduced customer service charges or cancellations.
  • Increased authorization and approvals.
  • Eliminates the need to chase down customers for updated data.
  • Improved customer retention and loyalty.
  • Gateway user permission managed
  • 90-second key expiry
  • Hex passphrase generation
  • Apple & Android app support
  • Admin-controlled enrollment
  • Random key recommended

Features

PCI compliant
Merchants can accept payments without touching credit card details.
Simple but powerful
Merchants can sell any products from their account and include tax, discounts and images.
Easy integration
Clicks go to a prebuilt checkout page optimized for quick payments.
Streamlined decision making
Fewer clicks per checkout takes the friction out of the purchasing process.
Multiple currencies
Let merchants sell products in their native currency.
Contactless QR code
Merchants can offer contactless payments without a card reader.
Button generator
A simple editor to add a checkout button to websites without any coding.

Benefits

  • Helps merchants take their business online overnight.
  • Can be used anywhere.
  • Lets charity organizations collect donations quickly and securely.
  • Lets merchants create a modern checkout experience without a team of developers.
  • Can be used to invoice customers via email
Platform Payments
0%
Recurring Payments
0%
Anomaly Detection
0%
Merchant Refund
0%

Other Solutions

Ready when you are

See if you're approved usually within one business day.

No obligation, no impact to your existing processing. Tell us about your business and we’ll find the route.

Start Application