Submitting stored credentials, resolving reissues at the network, and rebilling with fresh card data
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Why It Exists
• Reissued and expired cards silently break recurring charges
• Account Updater refreshes stored credentials before they fail
• Fewer declines means less involuntary subscription churn
Response Handling
• Updated: replace the PAN and expiry in the vault
• Closed: stop billing and drop the credential
• Contact cardholder: prompt the customer for a new card
The Alternative
• Network tokens auto-update without batch submissions
• The token stays stable while the underlying PAN rotates
• Updater and tokenization together cover more of the base
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