信用卡帳戶更新器

Scheme mandates for updater participation

Visa and Mastercard enforce specific scheme rules regarding participation in their respective account updater services.

In core markets such as North America and Europe, issuing banks are mandated to supply fresh expiration dates and replacement card numbers to the central scheme databases whenever a consumer account changes.

Merchants must ensure they only submit inquiries for consumers who have actively consented to ongoing recurring billing agreements.

Submitting single-use transactional cards or querying accounts where the subscription agreement has been formally terminated violates scheme terms and can result in restricted access to the updater functionality.

Data handling and compliance constraints

Processing fresh primary account numbers retrieved from the card schemes requires adherence to strict data security standards. Merchants receiving raw card data directly from the updater service must maintain appropriate infrastructure to handle and store the new credentials without exposing the network to unauthorised access.

To mitigate this compliance burden, merchants frequently rely on payment orchestration partners to handle the credential exchange.

By routing the update requests through Cardflo, the updated account numbers and expiration dates are applied directly to the billing profile, keeping the raw data out of the merchant's environment.