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‹Card Data

Real Time Account Updater

Stored cards checked against the networks in real time. Reissued or closed cards return fresh credentials.

Start using PayOS, pay per use. No sales call required.

What it does

Old card in. Fresh card out.

One call at billing time. PayOS asks the networks whether the credential you hold is still the one the issuer stands behind.

FIRST HORIZONON FILE · STALE
•••• •••• •••• 4242
VALID THRU
04/24
✕54 · Expired card · Declined
The card you stored. Reissued months ago; charging it now is a guaranteed decline.
Real Time Account Updater
→→
FIRST HORIZONFRESH · UPDATED
•••• •••• •••• 7802
VALID THRU
04/28
✓00 · Approved
The card the issuer holds today. New number, new expiry, returned before you authorize.
Real time, not batch

Updated the moment you need it. Not in next week’s file.

Bulk updaters sweep your whole vault on a schedule, wasteful, stale by the time you bill. PayOS checks one card, in real time, exactly when it matters: just before you authorize.

✕Bulk batch updater
Day 0 · card reissued→✕✕✕declines pile up→Week 4 · batch file lands
  • Sweeps the entire vault on a schedule
  • Stale by the time you bill
  • You pay to refresh cards you may never charge
✓PayOS · real time, per card
About to bill→Check this card now→Fresh · authorize ✓
  • ✓One card, checked at the moment of billing
  • ✓Do it as you need it, nothing wasted
  • ✓Credentials are current when the authorization leaves
Eliminated up front

The decline codes you stop seeing.

Stale credentials fire these. When the credential is refreshed before the attempt, the decline never happens, and your standing with the networks stays clean.

54Expired card✕
14Invalid card number✕
78No account✕
41Lost card✕
43Stolen card✕
→
00Approved✓
The payoff

Outcomes you can point to.

Approvals up
Every attempt carries credentials the issuer recognizes.
Billing never breaks
Subscriptions renew straight through reissues. Nobody re-enters a card.
Churn down
The quietest canceler, payment failure, is gone.
Network integrity
No stale-credential declines, no excessive-decline programs.
The rule

Before you authorize, check if the account has been updated.

One check in the payment path. That is the whole discipline, and it is what separates an approval from a decline you caused yourself.

Stored card
About to be billed
→
RTAU check
Any update? Fresh credentials in
→
Authorize
With the card the issuer holds today
Where it runs

Anywhere a card sits on file.

Subscription renewals
Refresh at billing time; renewals survive reissues.
Card-on-file checkout
Stored cards stay current behind one-click payments.
Pre-retry refresh
Check for new credentials before re-presenting a decline.
Recurring invoices
Utilities, insurance and rent, no expiration-day surprises.
Membership & SaaS
Stop involuntary churn across the subscriber base.
Stored payout cards
Confirm a payout card is open before pushing funds.