> For the complete documentation index, see [llms.txt](https://docs.xplorpay.com/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.xplorpay.com/merchant-portal/guides/account-updater.md).

# Account Updater

The Account Updater service retrieves updated card information from card brands and automatically refreshes card-on-file data to ensure successful, up-to-date payments. This paid service automatically updates card tokens with the latest debit or credit card information stored in our vault. These updated tokens can be used to process payments, such as [recurring payments](https://docs.xplorpay.com/api-reference/api/payments/recurring-payments-service).

{% hint style="success" %}
The Account Updater service is available for the following card brands:

<i class="fa-credit-card">:credit-card:</i> [**Visa**](https://en.wikipedia.org/wiki/Visa_Inc.): Updates every Tuesday and Thursday

<i class="fa-credit-card">:credit-card:</i> [**MasterCard**](https://en.wikipedia.org/wiki/Mastercard): Updates every seven days

<i class="fa-credit-card">:credit-card:</i> [**Amex**](https://en.wikipedia.org/wiki/American_Express): Updates daily
{% endhint %}

The Merchant Processing Application includes the Account Updater service pricing and authorization. This service has a one-time configuration setting and fee.

{% hint style="warning" %}
The Account Updater service doesn’t report card updates directly. To see how many cards have been updated, review the statements generated periodically.
{% endhint %}

For more information, see the following article:

* [Checking card updates](/merchant-portal/guides/account-updater/checking-card-updates.md): find when a saved card was last refreshed in the Merchant Portal.


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