Mastercard Automatic Billing Updater FAQs

Q: What is Mastercard Automatic Billing Updater?

A. MasterCard’s Automatic Billing Updater is a service participating merchants can use to retrieve cardholder account changes, like new debit card numbers, to ensure as little disruption as possible for your account-on-file transactions and automated payments.

Q: What are card-on-file automated payments?

A. Account-on-file transactions are payments processed using a card number you’ve stored with a merchant and websites with whom you’ve created an account and saved your card information:

  • Online retailers (Amazon, etc.)
  • Movies/music/eBook download services (Netflix, Spotify, etc.)
  • Online payment services (PayPal, etc.)
  • Transportation services (Uber, etc.)
  • Prescriptions

Q: Will all my payment information be automatically updated?

A. No. Automated Billing Updater is only available to participating merchants and they choose the frequency at which they check for updated payment information. To avoid late payments and penalties, you must check with your merchant to ensure your card information is updated.

Q: Why is this service being offered to cardholders?

A. The MasterCard Automatic Billing Updater service is required by MasterCard for all consumer and business credit and debit cards.

Q: What are the benefits of the MasterCard Automatic Billing Updater service?

Benefits of Updater service:

  • Reduces “card not present” declines
  • Helps to ensure on-time bill payment
  • Prevents late fees and service disruption

Q: Can customers decline this service?

A: Yes. A customer can request to opt-out of this service for their debit card by notifying us by phone at 866-372-1275 or by email via the Contact Us page of our website.

Q: What if I want to also decline this service for my credit cards too?

A: You will need to contact your credit card issuer(s) to decline this service for your credit cards.