Summary

Card Account Updater (CAU) is a paid CardConnect service that updates out-of-date card details for you. It helps reduce declined and late payments on stored cards.

What this does

CAU updates out-of-date debit and credit card information, such as the card number or expiration date. This helps avoid payment interruptions caused by declines. Updates happen behind the scenes. Your customers do not need to do anything.

When a new card is issued to your customer, CAU gets the new card details from Visa, Mastercard, and Discover. This reduces declined or late payments caused by outdated card information.

CAU suits facilities that offer auto-pay for recurring billing. It lowers the risk of late and declined payments for merchants. It also helps prevent service disruptions for customers.

Benefits

Using CAU to get new card data automatically can help your business:

• Stabilize and maintain cash flow by reducing late and declined payments.
• Reduce involuntary churn caused by expired cards or new account numbers.
• Reduce the effort and cost of reaching out to customers about outdated payment information.
• Improve customer satisfaction by avoiding interruptions in products and services because of nonpayment.

How It Works

CAU is an optional paid feature. You can request to have it enabled on your Merchant Account. Once enabled, the service continually checks all of your stored customer payment accounts to see if the saved card data is out of date.

Common reasons a customer's card data becomes out of date include:

• A new card is issued because of suspected or confirmed fraud.
• A replacement card is issued with a new expiration date.
• The account moves to a different class or tier of card that needs a new account number.

CAU receives updated card information from Visa, Mastercard, or Discover. Your stored customer payment information is then updated automatically with the new details. You can use the new details for any individual payment made with Card on File. You can also use them for upcoming scheduled payments that are part of a billing plan.

Cost

• Monthly Fee: $20.00
• Per Update Fee: $0.50

CardPointe Portal Access

• CardPointe is a CardConnect platform. The two names are often used interchangeably.
• You need a merchant ID to access the portal. The first time you log in, you must register for an account.
• If you forget your password, select the "Forgot Password?" link on the login page.
• If you forget your username, call CardConnect at (877) 828-0720.
• For more help with the CardPointe portal, see the User Guide.

Related Articles

• Sign Up for CardConnect's Card Account Updater Service
• CardConnect's Card Account Updater FAQs