Automatic Card Updater
Automatic Card Updater is a service you can offer to your merchants who have access to Customer Vault. It ensures that they always have up-to-date details for credit and debit cards on file by periodically checking them for updates with the card networks. It happens completely behind the scenes, works for any card/processor combination and provides merchants with a detailed report for every batch update. This service requires your merchants to have an active Customer Vault service on the account. Even if you offered Customer Vault to your merchants, but they are not actively using it, you can still offer Automatic Card Updater to them. However, they have to opt in to use both before Automatic Card Updater can get activated.
Supported Card Types: Visa, Mastercard, Discover
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American Express is not supported
Supported Platforms: All credit card processors and does not require any processor configuration in the reseller control panel.
Merchant configuration: Located in the Merchant Control Panel under Settings / Transaction Options - Automatic Card Updater.
HERE’S WHAT YOUR MERCHANTS WILL BE CHARGED FOR
● Automatic Card Updater Monthly Fee
● Per Update Fee Updates received for this service will be reflected in the Customer Vault records with
a transaction fee for each update.
UPDATE STATUSES AND WHAT THEY MEAN
UPDATE STATUSES AND WHAT THEY MEAN
Status | Explanation |
Card Automatically Updated | Card was updated and will be valid going forward. Includes both updated Credit Cards or Expiration Dates Only |
Card Automatically Updated - Contact Customer | There is an update on the card, but Automatic Card Updater cannot access the updated information. This is most often because the customer has requested the updated information to be blocked from access by merchants. |
Card Automatically Updated - Closed Account | This card was closed by the cardholder, and there is no updated information to be pulled. |
HERE’S HOW YOUR MERCHANTS WILL BE NOTIFIED ABOUT THE CARD UPDATES
When vault records are submitted for updates, it may take up to 5 business days to receive them. When the updates are received and processed, an email will be sent to merchants who are set to receive Customer Vault Reports, as well as a copy to the affiliate.
The email will include:
● The total number of Customer Vault Billing records submitted for updates.
● A list of each update received and a total for each type of update.
● An attached PDF list of updates. Note: If an exceptionally large number of customer records were
updated, then a short form email will be sent along with the attached file.
How to offer ACU to merchants and sub-affiliates
We made it easy to learn about the new service with an ACU discovery page. Accessible from the side menu in your affiliate control panel, the new page introduces the service and allows you to set your commissions and offer the service to all your merchants with a click of a button.

There is a separate section to enable ACU for your sub-affiliates. You can set your commission, and when you click the Enable button, the service will be enabled for all of your sub-affiliates and their fee schedules will be updated to the amount specified.

After clicking the ‘Enable ACU for my Merchant With Vault’ button, the affiliate will be given a list of their merchants and fees along with a description indicating if the action was successful or if we were unable to update them.
MERCHANT UPDATE STATUS
ACU will be added to all merchants that have the Customer Vault (offered or active) and do not already have the service.
● Success: Service is now Offered
● Cannot Update - Merchant has no Vault
● Cannot Update - Merchant has Automatic Card Updater already
Merchant updated example
Merchant | Result |
1st Heating & Cooling | Success: Service is now Offered |
ABC Repair | Cannot Update - Merchant has no Vault |
RP Social | Cannot Update - Merchant has Automatic Card Updater already |
FEES UPDATE STATUS
All fee schedules, including all custom plans, that do not already have ACU fees will be updated with the Commission amounts selected.
● Success: Automatic Card Updater fees added to plan
● Cannot Update - Fee Plan has Automatic Card Updater prices already
● Cannot Update - Fee Plan has Automatic Card Updater prices already
● Cannot Update - Sub-Affiliate {name] followed by the reason
Fee plans example

Note: All custom plans may not actually be assigned to a merchant, they may have been abandoned. Affiliates can find which of their merchants are assigned custom plans in their Service Prices / Fee Schedule Manager / Assign Merchant Fee Schedules
SUB-AFFILIATES UPDATE STATUS
After clicking the ‘Enable ACU for My Sub-Affiliates’ button, the affiliate will be given a list of their sub-affiliates and fees along with a description indicating if the action was successful or if we were unable to update them.
ACU will be added to all sub-affiliates that do not already have the service.
● Success: Sub-affiliate can now offer Automatic Card Updater
● Cannot Update - Sub-affiliate can offer Automatic Card Updater already
Sub-affiliate Updated

FEES UPDATE STATUS
All fee schedules, including all custom plans, that do not already have ACU fees will be updated with the Commission amounts selected.
● Success: Automatic Card Updater fees added to plan
● Cannot Update - Fee Plan has Automatic Card Updater prices already o If the fee plan was already
updated with fees, they cannot update it again with this tool
● Cannot Update - Sub-Affiliate {name} followed by the reason. See example above.
Miscellaneous Information
● Files are pulled in the middle of the night, similar to Recurring. So if an ISO sets the pull date as the 10th on the 10th, they missed the cut-off. It will pull in the next run.
● It takes around 5 business days to receive a response.
● The vault update takes place all at one time, not as it is received from the issuer. So we send giant responses to them and they return giant response back to us.