Automatic Card-on-File Updates
When your customer gets a new card, their billing details should update automatically. Rezoki connects to Visa and Mastercard's card update networks to make it happen.
Get StartedRezoki leverages Visa Account Updater (VAU) and Mastercard Automatic Billing Updater (ABU) to automatically refresh expired or replaced card details before a payment failure occurs. When a bank issues a new card to your subscriber, the card networks can pass the updated details to your payment processor. Rezoki ensures this flow works optimally by monitoring update availability, triggering updates proactively, and falling back to direct outreach when automatic updates aren't available.
The Problem
Credit cards expire every 3-5 years, and banks frequently issue replacement cards for security reasons. Each time this happens, every subscription tied to the old card risks failing. Customers have an average of 5-7 active subscriptions — they rarely remember to update all of them proactively. Card updater services solve this by pushing new card details from the network to the merchant automatically, but they only work when properly implemented and monitored.
How It Works
Continuous Card Monitoring
Rezoki monitors all cards on file for upcoming expirations and flags cards that may have been replaced by the issuing bank.
Network Query
Before a card expires or when a payment fails due to expired/replaced card, Rezoki queries Visa Account Updater or Mastercard ABU for updated card details.
Automatic Token Update
If updated details are available, the card-on-file is automatically refreshed in your Stripe account. The next payment processes with the new card — no customer action needed.
Fallback to Customer Outreach
If the network doesn't have updated details (some issuers don't participate), Rezoki falls back to pre-dunning email or AI voice call to prompt the customer to update manually.
Key Benefits
Silent, Automatic Recovery
Card updates happen behind the scenes. The customer never knows their card was about to expire, and the subscription continues uninterrupted.
Prevents Failures Before They Occur
Proactive card updates eliminate the payment failure entirely. No declined charge, no dunning email, no customer friction.
Works Across Major Networks
Supports Visa Account Updater (VAU), Mastercard Automatic Billing Updater (ABU), and American Express Cardrefresher — covering 95%+ of the card market.
Intelligent Fallback
When automatic updates aren't available, Rezoki seamlessly transitions to customer outreach, ensuring no card expiration goes unaddressed.
Real-World Use Cases
Scenario
A bank issues 10,000 replacement cards due to a data breach
Outcome
Card updater services automatically push new card details for participating issuers. Rezoki updates cards in bulk, and only reaches out to customers whose banks didn't provide updated details.
Scenario
A customer's card expires but they've already received a replacement
Outcome
The card network provides the new card details automatically. The next subscription charge processes on the new card without the customer doing anything.
Scenario
A small bank doesn't participate in card updater programs
Outcome
Rezoki detects that no automatic update is available and triggers a pre-dunning email, ensuring the customer still gets a chance to update manually before the payment fails.
73%
Cards auto-updated
89%
Failure prevention rate
Zero
Customer effort required
Related Features
Frequently Asked Questions
How does card updater get the new card details?+
Does card updater work for all card issuers?+
Is there any customer-facing action needed?+
Does card updater work with Stripe?+
How quickly are cards updated after a replacement is issued?+
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