Enable consistent, dynamic credential lifecycle management

Improve revenue and help avoid lost sales with our lifecycle management solutions, which are specially designed to keep card-on-file credentials up to date.

Keep payment flowing smoothly

Help ensure stored credential updates for frictionless card-on-file and subscription transactions.

Reduce payment friction

Enable frictionless subscription and card-on-file shopping experiences.

Update in real time

Securely update credentials in real time, during the transaction authorization.

Ensure comprehensive coverage

Keep stored credentials — from personal account numbers (PANs) to network tokens — up to date.

Our lifecycle management solutions

Improve revenue and avoid lost sales. Our solutions are specially designed to keep card-on-file credentials up to date.

Visa Account Updater (VAU)

Keep stored credentials up to date and refreshed for card-on-file and subscription payments.

Real-Time Visa Account Updater

Provides the ability to identify and update individual credentials in real time before a recurring or card-on-file transactions takes place.

Visa Digital Credential Updater (VDCU)

Manages the token lifecycle by keeping tokens fresh and reducing the need to re-provision tokens when PAN updates occur.

Benefits for merchants and acquirers

Help ensure more efficient payment lifecycle management that helps boost sales and gains repeat business.

For merchants

Reduce friction at checkout with improved card-on-file payment arrangements:

• Help avoid lost sales by keeping stored credentials up to date
• Enhance credential lifecycle management for smooth transactions
• Exceed customer expectations by helping minimize disruption

For acquirers

Protect merchant card-on-file revenue and avoid lost sales due to expired credentials:

• Enhance your payment offering with value-add credential updating services
• Help merchants reliably manage subscriptions and recurring payments
• Avoid operational inefficiencies around expired credentials and the time and resources associated with manual updates

Explore our products

Tap into innovation and improve transactions with our payment tools.

Verification

Trust in our accurate cardholder verification before and during processing.

Mitigate risk with our verification solutions

Authorization

Ease payment friction with the ability to authorize estimated transactions and extend approvals.

Simplify payment authorizations with Visa

Reporting

Reduce operational costs and time by streamlining reporting across payment types, processors and geographies.

Get better insights with our reporting solutions

Build the payment solutions you want with Visa

Credential lifecycle management | Acceptance Solutions | Visa