AUTOMATIC ABU / VAU

    Cards always up to date, with zero customer friction

    Automated system that keeps card data updated without merchant or cardholder intervention. When an issuer replaces a card, ABU automatically syncs the new data with tokens stored in Akua Vault.

    HOW IT WORKS

    Your tokens always up to date, without writing a line

    ABU automatically syncs the new data (PAN, expiration date) with tokens stored in Akua Vault.

    Your tokens always up to date,
    0%Manual intervention
    +15%Approval rate
    <1sSync latency
    99.9%Service uptime

    Eliminates declines due to expired cards

    Improves success rates on recurring payments

    Reduces churn — invisible to the end user

    USE CASES

    Designed for every business model

    Subscriptions & SaaSEliminate involuntary churn by automatically updating card data before each recurring charge.
    Wallets & CredentialsKeep on-file credentials always valid without asking the user to update their payment method.
    MarketplacesEnsure payments to sellers and payouts never fail due to outdated card data.
    B2B Recurring PaymentsAutomate the update of corporate cards that are frequently renewed due to compliance policies.
    CAPABILITIES

    Complete infrastructure for credential updates

    Visa and Mastercard coverage with zero-touch integration, real-time webhooks and performance metrics.

    Real-Time Auto-Sync

    When the issuer replaces a card (expiration, loss, upgrade), ABU automatically syncs the new PAN and date.

    Visa Account Updater

    Direct integration with Visa VAU for automatic and secure credential updates.

    Mastercard ABU

    Full support for Mastercard Automatic Billing Updater, covering both major networks.

    PCI DSS Level 1

    All data is processed within the certified Akua Vault, without exposing PANs in plain text.

    Update Webhooks

    Receive real-time notifications when a credential is updated, with change details.

    Zero-Touch Integration

    Activation with a toggle. No changes to your existing payment integration — works with already stored tokens.

    Regional Coverage

    Support for issuers in LATAM, USA, Europe and Asia-Pacific with match rates above 85%.

    Metrics Dashboard

    Visualize update rates, synced tokens and decline savings from the dashboard.

    Automatic Fallback

    If ABU finds no match, the system applies intelligent retries with Smart Retry Engine.

    Start the path to
    borderless payments

    Connect with our team and discover how Akua can transform your payment infrastructure.