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Visa Account Updater

The Superhighway of Data Exchange

Effective October 1st, 2017 Jonah Bank of Wyoming is excited to provide all debit and credit card account holders with Visa Account Updater Service (VAU). VAU from Jonah Bank is a valuable tool for helping banks deliver a more efficient and effective customer experience. This advanced payments solution updates cardholder account information electronically among participating card issuers, payment processors and merchants who accept account-on-file transactions.

As opposed to manual cardholder updates, VAU provides an automated, dedicated and secure clearinghouse for easy access to customer Visa account data. It helps to ensure a smooth automatic billing cycle by minimizing payment disruptions due to account changes.This is ideal when an ongoing payment relationship exists, such as recurring payments or automatic billings. NOTE: Merchant participation is elective and some merchants may choose not to use this service

Participation in VAU does not relieve you of obligation to ensure that merchants have correct account information on file; failure to do so may result in a declined payment. In addition, neither VISA nor Jonah Bank of Wyoming can guarantee that account updates will be communicated to merchants prior to the next billing date.

Here's how Visa Account Updater works:

Qualified merchants are enrolled in VAU through their participating acquirer.

Visa card issuers submit electronic files with updates to Visa when a cardholder’s account information changes because of a product upgrade, a portfolio conversion, card expiration, loss or theft, account closure or other changes.

Issuers must send file updates within two business days of a permanent change being active in their authorization system. However, they are strongly encouraged to send them daily to ensure that account-on-file merchants have the latest authorization data.

A few days prior to billing, participating merchants submit account numbers through their acquirer for customers with whom they have an ongoing payment relationship. VAU processes inquiries against its database and provides responses to the acquirer. These responses are then forwarded to the requesting merchants, who must then update accounts-on-file before requesting an authorization. Visa will only respond to specific data elements within an inquiry file from a qualified merchant. Responses include account number updates, expiration date updates, closed account advices and contact cardholder advices.

Participating merchants are required to update their customer account database within five business days after receiving VAU updates to ensure that the updated database is used in future Visa transactions in accordance with Visa Account Updater Terms of Use.

Visa Account Updater

All VAU data is transmitted through a secure direct connection between the endpoint and Visa and is stored in a database inside Visa’s firewall; browsing access is not allowed.

Cardholder Benefits

  • Offers a seamless account update process
  • Provides uninterrupted service from participating merchants
  • Reduces negative experiences caused by declines
  • Does not require cardholder action to communicate changes to participating merchants

Account Opt-Out Procedures

This service is a convenience, provided to you at no cost; however, you may opt-out of VAU at any time. To opt-out select the VAU opt-out button below, contact the bank at 1-307-266-5662 or email us at

Visa Account Updater
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