Boost revenue
with real-time
card updates

Whether your customers’ cards are lost, stolen, or expired, you can prevent missed payments with real-time card updates and keep your customers’ payments flowing.

Secure recurring revenue

Increase acceptance rates, cut scheme fees, and lower costs with issuer-recognized tokens.

Simplify payments, optimize costs

Strengthen payment security, lower false-declines, and increase payment performance.

Seamless customer experience

Set and forget with tokens managed by us, or take control with our merchant-managed service.

New data, new possibilities

Offer customers a seamless payment experience with card updates and one-click payments

Data that matters

Here are some of the ways Real-Time Account Updater optimizes payment efficiency and customer retention.

*Visa Account Updater** Mastercard Automatic Billing Updater.

30%

Of all card details change yearly, and 35% of customers forget to update their details*

2.5%

in additional revenue generated for our merchants to date

30%

Decrease in lost customers with automatic account updater**

Drive growth with real-time updates

Real-Time Account Updater seamlessly sources and delivers card updates – such as expiration dates, PAN, and account status – from issuing banks. These updates occur before or during an online transaction, ensuring uninterrupted payments and services.

  • Get started quickly with our user-friendly payments API and built-in solution. With no integration work needed, enjoy the benefits of up-to-date card information in little to no time.
  • Whether you've saved your cards in our secure vault or your own, with our flexible solution you'll still get all the benefits of real-time updates.
  • Enable webhooks to receive real-time alerts. Know what card changes were made, when they occurred, and why.

“At NordVPN, we recognize the importance of a smooth online payment experience for our users. Enabling Real-Time Account Updater ensures that transactions remain successful, and subscriptions are uninterrupted when our customers' payment card details change.”

Kestas Sauli

Head of Payments, Nord Security

Unlock your payments
potential today

Further enhance your acceptance rate

Continue to boost payment performance with Intelligent Acceptance. Whether you apply it to specific products or use it as a performance layer across all your Checkout.com products, it can increase conversion and unlock untapped revenue.

Frequently asked questions

Explore our resources

Explore more
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Building a modular payments infrastructure

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Payment API explained: Connect a payment gateway

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What is a payment gateway and how does it work?