# 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](/content/en-us/solutions/acceptance/verification/index.html)

### Authorization

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

[Simplify payment authorizations with Visa](/content/en-us/solutions/acceptance/authorization/index.html)

### Reporting

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

[Get better insights with our reporting solutions](/content/en-us/solutions/acceptance/reporting/index.html)

## Build the payment solutions you want with Visa

Credential lifecycle management | Acceptance Solutions | Visa