Auto Updater

One of the biggest problems for merchants who process credit cards on a recurring basis is maintaining accurate credit card information on file. In any given year, roughly 50-70% of Visa cardholders will change their account information. This places a heavy burden on merchants to ensure that they capture any updated card information. If consumers are properly informed of the terms and give their full consent to recurring credit card charges, auto-renewal methods can benefit both the individuals and the businesses involved.

NDMS merchants have access to Automatic Billing Updater, which prevents disruptions due to account changes and extends the life of automatic payment arrangements. Using the Automatic Billing Updater service helps secure ongoing relationships while locking in revenue, making cash flow more predictable, reducing processing costs, maintaining service continuity, and strengthening cardholder satisfaction.

How it Works:

  • Merchants can enroll through NDMS for Visa, Mastercard, and American Express.
  • Card issuers submit electronic files with updates when a cardholder's account information changes.
  • Card Issuers are required to send these file updates within two business days and are strongly encouraged to send them daily to ensure that account-on-file merchants have the advantage of the latest authorization data.
  • The merchant’s credit card information is sent to NDMS who then processes inquiries against its database and provides responses.
  • Participating merchants are required to update their customer account databases in accordance with Terms of Use

Download Visa Automatic Updater PDF

Download MasterCard Automatic Updater PDF

American Express Cardfresher PDF


To get started, submit an online application and an expert payment specialist will contact you shortly to complete the setup and activation of your account.

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