We strongly recommend that merchants processing high volume recurring transactions enable scheme updates.
We only support this functionality with supported acquiring banks.
This functionality must be enabled on your site reference(s) before it can be used.
Please contact our Support Team to discuss enabling scheme updates.
When scheme updates are submitted, Trust Payments contacts Visa and Mastercard to check for updates to stored payment credentials, and stores any changes to payment credentials on their secure servers (utilising the Visa Account Updater (VAU) and Mastercard’s Automatic Billing Updater (ABU) systems respectively). These updated payment credentials will automatically be used in future payments in a recurring payments sequence.
If SCHEMEUPDATE is enabled on the site reference, this will be automatically processed in the days preceding an automated Subscription payment.
It is possible for subscriptions to be “Stopped” following a Scheme update. This can occur if the customer contacts their acquiring bank to cancel the subscription. If this occurs, the SUBSCRIPTION active status is updated to “3” (“Stopped”), and no further payments will be processed.