# Card Account Updater

### What is Card Account Updater?

Card Account Updater is a service that automatically updates stored card details when a customer’s card information changes (e.g., expiration, reissued cards, or account changes). This helps merchants reduce transaction declines and ensures uninterrupted payments.

The key benefits of Card Account Updater include:

* **Minimizing declined transactions**, improving payment success rates.
* **Ensuring seamless recurring payments** for subscription-based models.
* **Enhancing customer retention** by reducing payment disruptions.
* **Reducing administrative workload** by eliminating the need to manually update expired or replaced cards.

### Enabling Card Account Updater

Card Account Updater can be enabled at either the **account level** or for a **specific merchant**.

{% hint style="info" %}
Please contact your support representative to enable Card Account Updater for your account.
{% endhint %}

### How do I use Card Account Updater?

Once enabled, any newly created cards will be **automatically enrolled** for updates. When a card is updated, you will receive a [**webhook notification**](https://docs.payengine.co/api-reference/transactions/card-tokens/card-account-updater) about the change.

Each notification includes the **card ID**, allowing you to retrieve the latest card information using a [**Get Token**](https://docs.payengine.co/api-reference/transactions/card-tokens/retrieve-token) request.

You can also retrieve a card account updater summary, which provides the number of cards that have been enrolled, updated, closed, or affected by other account updater actions, using a [**Get Card Account Updater Summary**](https://docs.payengine.co/api-reference/transactions/card-tokens/get-card-account-updater-summary) request.