Skip to content
UniPayGateway
  • Home
  • Why UniPay?
  • Payment Solution
  • Pricing
  • Services
  • Resource Hub
    • Trending Articles
    • Guides
    • UniPay Gateway Payment Advice
    • UniPay Gateway Infographics
    • Payment Expert Consultation
    • Video Guides
    • FAQ
Demo
Home UniPay Gateway Payment Advice Account Updater Models
Share

Different payment card associations use different account updater models. This fact should be kept in mind by recurring billing companies (especially, by companies, dealing with systems, which follow different account updater models).

Many payment gateways follow the so-called integrated model. Under this model a merchant sends transactions to be processed by a payment gateway, as usual. If an update for some account is available (from the issuer), the payment gateway adds updated account information to the response to the respective transaction before sending it back to the merchant.

American Express follows the so-called subscription-based model. Under this model a merchant can get updated account information on a regular basis. Once some update becomes available, a merchant gets a respective notification.

Visa and MasterCard follow the so-called file-based model. Under this model a merchant sends a file with account numbers and gets back a file, containing updates for those accounts, for which they are available.

To learn more about account updater models, read the respective article on Paylosophy.

Question
Question?

Let us help you envision UniPay as part of your business

Request Demo

Our Blog
Our Blog

For expert payment advice, please visit our blog at Paylosophy.com

Visit Paylosophy

UniPay Gateway is the accomplished payment gateway software, being flexible and customizable it meets the requirements of the most demanding clients.

The choice of UniPay gateway is the choice of the reliable, time and industry tested payment solution, which can help your business to become more competitive and profitable.

Request Demo

Recent Press Releases

Our Services

  • Legacy System Replacement
  • Processing Consolidation
  • Payment Ecosystem Landscaping
  • PayFac Implementation
  • EMV Implementation

Who Are You?

  • Merchant
  • ISO
  • Software Provider
  • Billing Company
  • Collections Company

Social Media

  • Paylosophy
  • Facebook
  • Twitter
  • YouTube

Copyright © 2022 United Thinkers LLC

All Rights Reserved | Privacy Policy

All Logos and Trademarks used or mentioned on this page are copyrighted property of their respective owners and are used for display purposes only.