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    Visa® Account Updater

    Delivering updated cardholder account information in a timely, convenient, and efficient manner that benefits you.

    Visa Account Updater (VAU) enables the electronic exchange of updated account information among participating issuers, acquirers, and merchants that process Visa transactions using account-on-file data.  Eastman Credit Union submits electronic updates to VAU when a cardholder’s account information changes.

    How VAU Benefits ECU Cardholders:

    • Offers a seamless account update process.
    • Provides uninterrupted service from participating merchants.
    • Reduces negative experiences caused by declines.
    • Does not require cardholder action to communicate changes to participating merchants.

     

    VAU FAQs

    • What does VAU do?

      VAU enables the electronic exchange of updated account information (account number and expiration date changes, and account closures and contact cardholder advices) among participating issuers, acquirers and merchants that process Visa transactions using account-on-file data.

       

       

    • How does VAU work?

      Issuers provide account change information to VAU in electronic batch files within two days of the date of change.  These updates must only be submitted when the account is considered "live" and authorizations would be approved using the updated information.  Before submitting authorization requests, participating merchants request and receive regular updates of customer account data through their acquirers from VAU.  The result is increased cardholder retention, fewer declines, a more streamlined authoriztion process, lower costs and valuable time savings.

    • Why does VAU have participation requirements?

      The participation requirements were established to ensure the security of cardholder information, to maximize the value of the VAU, and to reflect all applicable laws and regulations.

    • What types of account changes are supported?

      VAU supports account number changes (such as for account upgrades or lost or stolen cards), new card expiration dates and account closures. VAU also supports transmission of advices that instruct the merchant to contact the cardholder for further payment instructions in some situations, such as when a divorced former joint accountholder creates a new individual account.

    • Does VAU also provide cardholder name or address change?

      No. VAU supports only account number and expiration date changes, and account closure advices.

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