How to Keep Credit Cards Current with Authorize.Net Account Updater 2025

Modified on Tue, Dec 2 at 2:45 PM


Overview

Petly Plans integrates with Authorize.Net Account Updater (AU), if enabled, to automatically update your clients’ stored credit card information—account numbers and expiration dates—once a month.
This helps prevent payment declines, lost sales, and service interruptions.


When It Runs

  • AU starts on the 4th of each month and runs in batches until month-end.
  • Enable AU before the 3rd → Updates start that month.
  • Enable AU on/after the 4th → Updates start next month.
  • AU reports are available the following month.

Permission Level

  • Authorize.Net Account Owner access required.

Things to Know

  • Available only for U.S./North American processing accounts.
  • Cost: $0.25 per card updated.
  • Delete unused payment profiles in Petly Plans to avoid unnecessary charges.
  • Updates Visa® and MasterCard® only.
  • Petly Plans checks for changes nightly and emails designated admins if a card is updated.

Benefits

  • Increase approvals: Fewer declines and payment interruptions.
  • Retain customers: Reduce cancellations due to outdated cards.
  • Save time: No need to manually contact clients for updates.
  • Cost-effective: Pay only per update; average 20–35% of cards update in the first month.

Possible Responses

CodeMeaning
NANNew Account Number
NEDNew Expiration Date
ACLAccount Closed
CCHContact Card Holder

Note: “Contact Card Holder” means the card may be lost, stolen, or replaced. Exact reason is not provided by Visa/MasterCard.


Steps

1. Sign Up for Account Updater

  1. Log into Authorize.Net Merchant Interface.
  2. Click Tools > Account Updater.
  3. Click Sign Up Now.
  4. Under Industry Information, click Look Up.
  5. Search for 742 and select 742 VETERINARY SERVICES.
  6. Click SELECT MCC.
  7. Agree to terms and click I Agree.
    Registration takes ~2 hours.

2. View Account Updater Report

  1. Log into Authorize.Net Merchant Interface.
  2. Click Reports > Account Updater Reports.
  3. Select the month and click Run Report.
  4. To view more than 100 records, use Download to File.

3. Cancel Account Updater

  1. Log into Authorize.Net Merchant Interface.
  2. Click Tools > Account Updater.
  3. Click Discontinue Account Updater Service.
    Canceling applies to future batches only.

Helpful Resources

 

 

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