MASTERCARD AUTOMATIC BILLING UPDATES

Mastercard Automatic Billing Updates

Updating your card-on-file (COF) for transactions has just gotten easier. With Mastercard Automatic Billing Updater (ABU) feature, you no longer need to manually update your card information you have set up to make transactions automatically when your card expiration date changes or your account number changes.

The Mastercard Automatic Billing Updater is an automated solution that helps to ensure uninterrupted service for cardholders and uninterrupted payments by updating card-on-file information for recurring payments. This program helps to reduce COF transaction declines due to changed account numbers and/or expiration dates.

Please read through our Frequently Asked Questions to find out more information or contact customer service at 1.800.205.3464.

FAQs

What if I do not update my debit and credit card information with participating merchants?
  • Automatic payments will be declined and merchants may charge a late fee.

What kind of card-on-file (COF) merchants participate in this service?
  • Card-on-file (COF) merchants that keep your card numbers on file for recurring payments may include phone companies, cable services, utilities, music subscriptions, magazine subscriptions, gym memberships, insurance companies, recurring charitable donations and more.

Do you have a list of participating merchants?
  • No. Participation in this service is at each merchant’s discretion.

Will all of my payment information be automatically updated?
  • No. The Mastercard ABU Service is only available at participating merchants. Each merchant can choose the frequency at which they check for updated payment information. To avoid late payments and penalties, you will need to check with your merchant to ensure their card information has been updated.

Can I opt-out of this service?
  • Yes. You can request to opt-out of this service by calling 1.800.205.3464, Monday through Friday from 7:00 AM to 8:00 PM ET and Saturday from 9:00 AM to 3:00 PM ET.

When will this service begin?
  • The Mastercard ABU Service will begin on March 6, 2018.

Why is this service being offered?
  • The Mastercard ABU service is required by Mastercard for all consumer and business credit and debit cards.

What are the benefits of the Mastercard ABU Service?
  • The benefits for the Mastercard Automatic Billing Updater Service are:

    • Reduction in "card not present" declines
    • Helps to ensure on-time bill payment
    • Prevents late fees and service disruption
    • Provides you with better customer service
How does the Automatic Billing Updater (ABU) Service affect me?
  • If you have recurring payments or a cards-on-file set up with a merchant(s), if account changes are made to your account—for example, a debit or credit account number has been changed or an expiration date has been updated—you may forget to advise merchant(s) about the changed account information, which could cause recurring payments to be declined. The Mastercard ABU Service allows the updated information to be provided to participating merchants on your behalf resulting in fewer declines. The service provides a convenience to you so you do not have to contact each merchant with your updated card information.