Keep stored cards current
Keep stored cards current through expiry and reissue
Account Updater is for businesses in the USA. Subscription team evaluating credential updates; distinguish updater coverage from billing retries and token storage. The sections below separate the workflow, the control and its limit, and the account facts to confirm before you rely on them.
- Fewer involuntary failures
- Runs in the background
- Works with stored tokens
- PCI DSS Level 1
- SOC 2 Type II
- Specialist support
- Interchange-plus available
- All major card brands: Visa, Mastercard, Amex, Discover, PIN debit
Who it's for
Subscription businesses
Protect renewal revenue from card churn.
Membership organizations
Keep dues collecting through reissues.
Installment plans
Avoid broken schedules mid-term.
Core capabilities
Network refresh
Stored credentials are checked against network updates for new numbers and expiry dates.
Automatic application
Refreshed details apply to the stored token without customer action.
Recurring protection
Subscription and installment schedules keep running through a reissue.
Update reporting
See which stored methods were refreshed and when.
Fallback handling
Methods that cannot be refreshed are flagged for outreach.
How it works
Stored payment methods are enrolled in the updater.
Card networks report reissues and expiry changes.
RapidCents applies the update to the stored token.
Recurring charges continue on the refreshed credential.
Methods that cannot be refreshed are flagged for follow-up.
Dashboard and reporting
Transactions, deposits and exceptions visible in the RapidCents merchant dashboard.
Try it, edit values and click buttons
Merchant dashboard
- Today
- $4,218
- Deposits
- $12,482
- Disputes
- 2 open
- In-person
- $842
- Online
- $1,104
- Virtual terminal
- $392
Demonstration data only
Integrations
Merchant dashboard
Every transaction, deposit and exception lands in one dashboard.
APIs and webhooks
Connect the product to your own software with REST APIs and signed webhooks.
Partner connectors
Certified connectors for common POS, ERP and commerce platforms.
Works with Account Updater
Capabilities on the same account, so the parts below connect without a second integration or a second contract.
A stored RapidCents token stands in for the card number, with the terminal that captured the original credential beside it. Tokenization
Card numbers are replaced by a token, so nothing reusable is stored in your systems.
Explore
Card credentials sit in the RapidCents vault rather than in merchant software, with a terminal on the desk for new captures. Secure card vault
The PCI-scoped store the tokens point at, so card-on-file stays out of your scope.
Explore
The RapidCents recurring payments screen showing active subscriptions, monthly recurring revenue, failed payments and upcoming renewals, above a list of subscriptions with their plan, amount, frequency and next billing date. Recurring payments
Schedules, subscriptions and instalments billed from a stored credential.
Explore
A RapidCents customer profile holds saved cards and invoices, so a return visit can be charged without re-keying the card. Customer profiles
One customer record holding contact details, stored credentials and payment history.
Explore
A merchant reviews RapidCents reports for volume, mix and payouts, with the terminal that took the sales on the desk. Reporting and reconciliation
Deposit-level detail that ties settlements back to the transactions behind them.
Explore
Security
PCI DSS Level 1
Processing runs on PCI DSS Level 1 audited infrastructure.
Tokenization
Card data is replaced with tokens, keeping raw credentials out of your systems.
Role-based access
Permissions and audit trails control who can see and do what.
Implementation
Discovery
A payment specialist reviews how your business gets paid today.
Configuration
Accounts, users and settings are prepared before you go live.
Testing
Run test transactions and confirm reporting before cutover.
Launch and support
Go live with training materials and post-launch support.
Pricing
Transparent pricing
Pricing depends on volume, card mix and configuration. Fee Check compares your current statement before you commit to anything.
For businesses in the USA
A direct answer for a business in the USA: the workflow, the limit, and what to confirm next.
The payment workflow
Follow a US membership renewal where a saved card changes before billing. Cover how an eligible update relates to the existing customer/token and what the billing team sees. Distinguish credential refresh from a retry, a new charge and a customer manually replacing a payment method. Confirm eligibility, presentment currency, settlement currency and the enabled payment methods on the USA merchant account before quoting them. An illustrative amount is an example, not a fee or a funding promise. Account Updater does not, by itself, prove delivery or win a dispute.
The problem and the limit
The practical view covers logs, exceptions and the outreach required when no update is available. Cover how stored-credential consent is maintained. The workflow should require evidence for decline-reduction claims; do not say every expired, replaced, closed or blocked card can be refreshed or that a refresh guarantees approval. Confirm eligibility, presentment currency, settlement currency and the enabled payment methods on the USA merchant account before quoting them. An illustrative amount is an example, not a fee or a funding promise. Account Updater does not, by itself, prove delivery or win a dispute.
What to confirm
State the approved US network and participation scope, enrollment requirements, update timing and fees. Before you rely on this, confirm compatibility with existing or migrated vault records and access to events. Canadian availability and broad network membership do not establish coverage for every US issuer or credential. Confirm eligibility, presentment currency, settlement currency and the enabled payment methods on the USA merchant account before quoting them. An illustrative amount is an example, not a fee or a funding promise. Account Updater does not, by itself, prove delivery or win a dispute.
Questions about Account Updater
What keeps renewals collecting?
Most interruptions are expired or reissued cards, not customers cancelling. Refreshing the credential keeps those charges collecting.
Does the customer have to do anything?
No. Updates apply to the stored token in the background.
Which cards are covered?
Coverage depends on the network and issuer participating in update services.
What if a card cannot be refreshed?
It is flagged so you can ask the customer for a new method before the next charge.
Does the token change when a card is refreshed?
No. The refreshed details are applied to the existing token, so the reference your software already stores keeps working and no schedule has to be rebuilt.
What should I do with a method that gets flagged?
A flagged method is one the networks could not refresh, so it needs the customer. Send them a secure link to replace the stored method before the next charge is due, rather than letting the renewal fail first.
Which saved cards can account updater refresh for USA merchants?
For a business in the USA, name confirmed networks and credential types, participation conditions and exclusions; avoid issuer-wide coverage promises. This depends on the approved USA account setup and does not remove the merchant's own records or dispute duties.
Is account updater the same as retrying a failed recurring payment?
For a business in the USA, in practice, credential maintenance versus a new authorization attempt and the response when an update or payment fails. This depends on the approved USA account setup and does not remove the merchant's own records or dispute duties.
How can my billing team see an update or an exception?
For a business in the USA, name verified dashboard fields, logs or API events, outreach workflow, enablement and fees. This depends on the approved USA account setup and does not remove the merchant's own records or dispute duties.
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