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Payment Recovery
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Account Updater Guide 2025: Auto-Refresh Expired Cards

Stripe Account Updater: automatically refresh expired cards, reduce card declines, and prevent involuntary churn. 5-10x ROI on implementation.

November 12, 2025By Alex Johnson

Account updater services automatically refresh expired or replaced card details, recovering revenue that would otherwise be lost.

How Account Updater Works

Card networks maintain databases of updated card information. Account updater queries these databases and automatically updates stored payment methods.

Implementation Options

Stripe, Braintree, and other processors offer account updater services. Enable it for all stored cards to automatically capture updates.

Coverage and Limitations

Account updater covers most Visa and Mastercard updates in the US. Coverage varies internationally. Some updates still require customer action.

Measuring Impact

Track cards updated automatically vs manually. Measure prevented failures and recovered revenue. Typical ROI is 5-10x the service cost.

Frequently Asked Questions

How much does account updater cost?

Typically $0.25-0.50 per update attempt. Given the high cost of lost customers, this is almost always worthwhile.

Does it work for all cards?

Coverage is best for Visa and Mastercard in the US (80-90%). International coverage and other card types vary. Check with your processor.

Key Takeaways

Account updater is a low-effort, high-impact tool for reducing involuntary churn. Enable it if you store cards for recurring billing.

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