# Visa Account Updater

## Getting Started

Visa Account Updater (VAU) is a service that enables issuers, acquirers,
and qualified merchants to exchange updated account information for recurring payments,
credential-on-file (COF) transactions, Visa Direct transactions, and purchase return
transactions.

With VAU, issuers can retain a cardholder’s merchant-payment relationship after account
information changes. Updated information includes primary account numbers (PANs),
expiration dates, closed accounts, and cardholder advices.

VAU supports:

- Account renewal or replacement.
- Account upgrades or downgrades.
- Portfolio acquisitions.
- Mergers or account closures.
- Lost or stolen card replacement.
- Account closures.
- Conversions to Visa from Mastercard, American Express, or Discover.

In LAC, VAU also supports conversions between Visa and non-Visa accounts.