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VGS Account Updater ensures merchants have the latest card-on-file information

VGS Account Updater increases your authorization rates by reducing failed payments from lost, stolen, or expired cards.

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VGS Bank Card Account Updater

Every year, 40% of cardholders replace their cards due to the card expiring, getting lost, or being compromised by fraud. 1 When customers migrate to Account Updater, they see 20-35% of cards being updated in the first month. 2
Fewer out-of-date cards = fewer failed transactions.

Lower Costs

Lower Costs

You can purchase Account Updater individually from each processor or just once from VGS as an add-on to the Vault and use it across all processors.

Achieve greater cost efficiency with a processor-agnostic solution that enables you to securely update across card brands in the merchant inquiry.

Better Customer Experience

Better Customer Experience

When a new card is issued, details are updated without manual customer effort to avoid declines. A positive payment, friction-free experience promotes repeat and recurring purchases and reduces the potential of lost sales.

48% of customer churn comes from failed payments.3

Combine with Network Tokens

Combine with Network Tokens

Account Updater works with Network Tokens to increase authorization rates by lowering payment declines. Improve conversion further when you add Account Updater.

Use it for processors that don't accept Network Tokens or when you need the full card number for fraud prevention or identity protection.

Manage Risk

Manage Risk

Processing transactions with outdated card numbers exposes you to the risk of a consumer opening a chargeback.

Process transactions with the latest card numbers and avoid a purchase being flagged for a chargeback.

Optimize card-on-file payments to increase revenue and retention

Account Updater automatically updates expired card information to avoid payment declines and offer a seamless payment experience

Maximize Recurring Revenue

Maximize Recurring Revenue

Up-to-date card information enables subscriptions, utilities, insurance, rent and mortgage payments, loan installments, donations and more to be charged without fear of failed transactions and lost sales.

PCI-DSS Compliant

PCI-DSS Compliant

Sensitive cardholder data is tokenized and stored securely for secure storage to minimize exposure, and mitigate the risk and impact of data breaches.

Part of VGS Vault

Part of VGS Vault

Account Updater can benefit any customer that has cards on file. A VGS Vault customer can add Account Updater, and be ready to go once enabled.

Each month, 9-14% of recurring credit card authorizations fail

Ready to Get Started?

Account Updater works across processors to reduce your costs by working across your processors and avoid lost sales from failed transactions.

70% of companies are unsatisfied with their payment failure rate. Will you be in the 30%5

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