> For the complete documentation index, see [llms.txt](https://docs.verygoodsecurity.com/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.verygoodsecurity.com/cmp/developer-resources/api/credential-management-v1-apis-calm/account-updater-v1.md).

# Account Updater - V1

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**Important Notice:** Clients who are signed up to the Card Management Platform (CMP) should navigate to this [page](https://docs.verygoodsecurity.com/card-management).
{% endhint %}

Account Updater bridges the gap between card issuers and merchants, seamlessly delivering updated card information directly into your hands. No more chasing customers for new details or wrangling with failed payments. This powerful network tool empowers you to:

* Boost authorization success rates: Minimize declined transactions and ensure smooth recurring payments for subscription models.
* Reduce customer churn: Offer a frictionless checkout experience that keeps customers happy and engaged.
* Simplify workflows: Eliminate manual updates and focus on building your business instead of chasing card details.
* Enhance security: Leverage secure and encrypted data exchange to protect both you and your customers. VGS Account Updater simplifies connection to payment networks, automatically fetching and delivering updated card information to merchants, ensuring seamless recurring payments and reducing customer churn.

### Onboarding

{% stepper %}
{% step %}

### Timeline

The process of onboarding into the VGS Account Updater Service from the Card Networks typically requires up to \~10 business days. You must submit paperwork as either a merchant or a payment facilitator via a digital document.
{% endstep %}

{% step %}

### Submit the Merchant Onboarding Form

[Please download and fill out this Merchant Onboarding Form](https://www.verygoodsecurity.com/docs/vgs_theme/static/vgs-account-updater-merchant-onboarding.xlsx). After completing the form, email the updated file to VGS Support (<support@vgs.io>) and your VGS account manager.
{% endstep %}

{% step %}

### VGS completes registration

After paperwork is submitted, VGS will register the merchant with the networks, generate unique identifiers, and finalize the onboarding process.
{% endstep %}
{% endstepper %}

### Integration with VGS

Once VGS receives your merchant details and enables Account Updater on your account, you will be able to access the [Account Updater API](/cmp/developer-resources/api/account-updater.md) using either the `account updater` [credentials](/cmp/platform/authentication.md#id-3-generate-access-credentials).

### Reference

* [Quickstart](https://docs.verygoodsecurity.com/cmp/developer-resources/api/card-management-v1-apis-calm/account-updater-v1)
* [VGS Account Updater API documentation](https://docs.verygoodsecurity.com/cmp/developer-resources/api/card-management-v1-apis-calm/account-updater-v1/api-reference-v1/enroll-card-v1)
* [VGS Account Updater Notifications](https://docs.verygoodsecurity.com/cmp/developer-resources/api/card-management-v1-apis-calm/account-updater-v1/api-reference-v1/account-updater-notifications-v1)


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