Account Updater Overview

Account Updater

Keep cards on file up to date automatically

Account Updater is a service embedded within FlexPoint that automatically checks and updates stored credit card information. When a cardholder's card number or expiration date changes, the service detects the update and refreshes the card on file — so payments continue processing without interruption.

How It Works

1

Account Updater runs on a daily schedule

2

Requests are sent to card networks to check for updates

3

If changes are detected, card details are automatically updated

4

Payments continue without interruption

What Triggers an Update

• Card number change (e.g., when a card is reissued)
• Expiration date change

Pricing

• Account Updater fees are only assessed when a card update occurs
• If no changes are detected, there is no charge

⚠️ Without Account Updater

A change to a client's card details would cause the next payment to fail. Your team would need to manually reach out to collect updated card information, or the client would need to log in and add the new card.

Frequently Asked Questions

How often does Account Updater run? ▶

The service runs daily. It checks all stored cards against the card networks to identify any changes. Updates are typically reflected within 3–5 business days.

Am I charged every time a card is checked? ▶

No. You are only charged when an actual update occurs. If a card is checked and no changes are found, there is no fee. The fee is on a per card update basis.

Which card brands are supported? ▶

Account Updater supports all major card brands, including Visa, Mastercard, and Discover.