Enable the Card Account Updater feature for your Stripe account; Stripe submits stored card details to Visa and Mastercard Account Updater programs in batch
Listen for the payment_method.updated and customer.updated webhook events that Stripe fires when an account update is applied to a stored payment method
When an update event arrives, inspect the update type: new PAN, new expiry, or account closed; update your local customer record accordingly
For account-closed responses, suppress future charge attempts and trigger a dunning or re-enrollment flow to collect a new payment method
Before each scheduled recurring charge, check the payment method's last-updated timestamp to determine whether a recent update has been applied
Log all account updater events for audit purposes, noting the original and updated card fingerprints without storing raw card numbers
Known gotchas
Account updater batch cycles run periodically (often weekly or monthly), not in real time; a card updated today may not reflect in your stored records until the next cycle
Not all issuers participate in account updater programs; for non-participating issuers, you must rely on soft declines to detect stale card data
Account updater fees may apply per lookup; avoid triggering unnecessary lookups on low-frequency customers by batching requests intelligently
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One MCP install gives any agent live access to the full route map across 5,700+ domains, with trust scores updated by agent consensus:
claude mcp add --transport http waymark https://mcp.waymark.network/mcp
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