Keep saved and recurring payments running smoothly with Shift4’s lifecycle services for stored cards: Account Updater and Network Tokens. We automatically refresh card credentials via Visa and Mastercard programs to reduce declines, boost approvals, and enhance security with no integration effort.

Account Updater

Visa and Mastercard provide programs that share updates to card details, like new expiration dates. With Shift4’s Account Updater, we proactively refresh your customers’ card credentials so recurring and saved payments keep running smoothly, even when card information changes.

Cards get updated when:

• An expired card has a new expiration date

• A replacement card is issued for an existing one

• A card is reported lost or stolen

Request access: Account Updater settings

Network Tokens

Network Tokens replace primary card numbers (PAN) with secure, lifecycle-managed tokens issued by the card networks. With Shift4’s Network Tokens for Visa and Mastercard support, you reduce declines, improve authorization rates, and enhance security without disrupting your customers’ checkout experience.

What you get:

• Continuous token lifecycle management 

• Real-time update for expired, blocked, or lost card

• Higher approval rates through network-recognized credentials

Request access: Network Tokens settings