Account Updater

Spreedly’s Account Updater allows you to always keep your customers’ card details up-to-date. When your customers’ credit card numbers expire or are updated, Account Updater protects you from the lost revenue, involuntary churn, and decreased customer satisfaction associated with outdated payment information. No additional development is required on your side since cards are updated behind the scenes.

How Account Updater Works

When you opt-in, Spreedly defaults to submitting all retained, non-test, Visa, MasterCard, and Discover cards in your Spreedly vault for automatic updating twice monthly, on the 1st and 15th of every month. The table below lists current regional participation by card brand:

Supported Schemes Market Coverage
Visa
  • North America: near full participation.
  • Europe: high participation in the UK, Ireland, Italy, Greece. Sweden and Finland are mandated as of January 2019. Denmark and Norway optionally able to participate.
Mastercard
  • North America: near full participation.
  • Europe: high participation in the UK, Ireland, and Italy. Remaining markets are mandated as of December 2018.
  • Latin America: mandated as of October 2018.
  • Asia Pacific: mandated as of November 2018 (excluding India).
  • Middle East and Africa: mandated as of October 2018.
Discover
  • North America: near full participation.

Card-Level Controls

You can optionally exclude individual cards from the Account Updater service via our API. For example, you may want to exclude a card if your customer has paused their subscription. Payment methods include an eligible_for_card_updater field that when set to false will result in Spreedly excluding the associated card from subsequent submissions to the Account Updater service. You can set this field to true to resume submitting the given card at any time.

Opting-in to Account Updater happens at the organization level - all environments will be affected. By turning on the Account Updater feature, you confirm that all eligible cards will be sent to the card brands for updates twice monthly, but you will only be charged for those cards that are actually updated.

Analyze Results

Results of Account Updater submissions can be tracked in your Spreedly dashboard. You can view summary statistics for each twice-monthly submission (or “batch”). You can also drill into detailed per-card results and download a CSV report for any given batch right from the dashboard. The status for each card is shown:

  1. ReplacePaymentMethod - The number and/or expiration date has been updated.
  2. InvalidReplacePaymentMethod - We received either a new card number or expiration date that was invalid. The payment method was not updated, but a fee is still created since Spreedly still incurs a cost in this scenario.
  3. ContactCardHolder - Contact the cardholder for a new number and/or expiration date.
  4. ClosePaymentMethod - The account is no longer open and should no longer be used. The payment method will remain available, but Spreedly’s Account Updater will no longer attempt to update it.

Email Notifications

We will send two e-mail notifications when your cards are updated. Notifications will be sent to all active users associated with the organization. The first email is notice that the card update process has started. Example:

The second email is notice that card updates have completed and contains aggregate information about the updates that were performed. Example:

Please visit the Help Center for a detailed walkthrough on pricing, opting-in, and opting-out.