Account Updater

Keep your recurring billing and subscription customers’ payment information current and reduce the risk of lost revenue with our credit card updater services.


Did you know that 30% of credit cards experience some type of change annually? Cards may expire, become lost, get stolen, be upgraded or simply closed.

That can be a problem if your business offers any type of recurring billing, subscription services, or loyalty programs for repeat customers. Chances are, their stored credit card information will change at some point in time for any of the above reasons.

However, with our credit card updater services, your customers’ payment data always remains up to date. This means you can keep the sales flowing — even if their credit cards change or expire over time.

  • Reduce the risk of lost revenue by automatically keeping payment information current
  • Increase successful transactions and avoid fees for declined authorizations when using our credit card updater services
  • Improve customer retention by preventing disruptions to service or subscription cancellations
Click here for a helpful infographic about our credit card updater services.


Using our credit card account updater is a simple and smart way to increase revenues, reduce costs, and retain customers:

  • BluePay will work with you to determine a monthly schedule that fits with your recurring card payment cycles.
  • Our team will then send this data to the card brands (Visa, Mastercard, and Discover) for verification. Their databases are continuously updated by participating card issuers whenever a customer’s payment information changes.
  • Visa Account Updater, Mastercard Automatic Billing Updater, and Discover Account Updater then return a response back to BluePay with the credit card account update — including account numbers, expiration dates, closed account notices, and brand migrations between Visa and Mastercard, to name a few. 
  • BluePay automatically “updates” this information within the gateway and provides you with a notification that changes have been made.

BluePay’s credit card updater services work seamlessly behind the scenes, so there is no additional work on your part — except reaping the benefits and growing your business.


Whether you offer a monthly subscription service or use recurring payment solutions for your business, you know how frustrating it can be to see transactions get declined. Our credit card account updater reduces that stress and helps you stay in the black:

  • No longer will you have to wait for customers to update their information, which could potentially lead to canceled subscriptions and loss of customer relationships.
  • You’ll also save time and reduce costs by not having to hire collection services or staff to manually update account information. In addition, our credit card account updater can help minimize your PCI scope by reducing staff contact with payment data.

Most important, you’ll see an increase in revenue as you receive payments on time from valid, accurate credit cards.


Considered automated billing services but not sure where to start? Let us show you how to set up recurring payments with the credit card account updater. BluePay’s automatic billing service will help you manage recurring payments.

With our credit card updater services, your customers will enjoy a more seamless payment experience. As a merchant, you’ll benefit from improved cash flow, more on-time payments, and higher overall profits.

To learn more about BluePay’s PCI-compliant credit card updater services, schedule a free consultation with our recurring billing team today.

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  • 2018 American Business Awards Gold Stevie® Winner Badge for Best Payment and Electronic Commerce Solution
  • 2018 CNP Awards Customer Choice Winner Badge for Best E-Commerce Platform/Gateway
  • Best in Biz Awards 2018 Silver Winner Badge for Business Development Department of the Year
  • TSG Gateway Awards 2019 BluePay
BluePay Processing, LLC is a registered ISO of Wells Fargo Bank, N.A., Concord, CA, 94524 U.S.A.
BluePay Canada ULC, is a Registered ISO/MSP of Peoples Trust Company, Vancouver, Canada.