Terms of Use

By using the Account Updater service, you agree to comply with the Visa U.S.A. Operating Regulations, Visa Account Updater Terms of Use, Mastercard rules and regulations, American Express rules and regulations, and all other applicable rules and regulations issued by any card association.

In addition, you must:

Request an update for every participating Visa account in your customer database at least:
Once every 180 calendar days if you bill daily, weekly, monthly, quarterly, or biannually.
Once every 365 calendar days if you bill annually.
Submit inquiries only for those accounts with which you have an ongoing customer relationship.
Update your customer account database within 5 business days of receiving an update.
Ensure that all update information you receive is properly, completely, and accurately incorporated into your data store for use in future transactions.
Correct erroneous account information within 5 business days of receipt of error notifications.

You may not:

Request updates on accounts that have returned a response of Contact Card Holder (CCH). You must review your response file for CCH responses and take appropriate action such as removing the customer record from your billing cycle until you have contacted the cardholder.
Submit update inquiries on behalf of any other entity
unless you have enrolled in Account Updater as a billing aggregator
.