Intercept failed recurring authorization responses and inspect the decline code: trigger account updater fallback specifically for do_not_honor, expired_card, invalid_account, and card_velocity_exceeded codes — these indicate the stored card data may be stale.
Submit the stored PAN and expiry to your account updater service (VAU for Visa, ABU for Mastercard, or your processor's managed updater): send the inquiry and wait for the response, which may be synchronous or batched depending on integration.
Parse the updater response: handle new_account_information (updated PAN or expiry), contact_cardholder (issuer requests direct outreach), account_closed (stop retrying and mark subscription at risk), and no_change (data is current — investigate other decline causes).
If a new PAN or expiry is returned, update the stored token in your vault, then retry the failed charge immediately using the updated credentials and the correct MIT stored-credential framework indicator.
For account_closed and contact_cardholder responses, suppress automated retries and trigger a dunning email prompting the customer to update their payment method.
Log each updater invocation and outcome; track the percentage of recoveries by decline code to measure updater effectiveness and justify the per-inquiry cost.
Known gotchas
Account updater inquiries have a per-transaction cost; triggering them on every decline regardless of code wastes budget — restrict to decline codes that indicate stale credentials, not insufficient funds or fraud-related declines.
Updater data must only be used for the same cardholder and merchant relationship as the original stored credential; redistributing updated card data to other merchants or subsidiaries violates network rules.
Some issuers respond to account updater inquiries with no_change even when the underlying account has issues; a no_change response does not guarantee a successful retry — apply standard retry logic after updating credentials.
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claude mcp add --transport http waymark https://mcp.waymark.network/mcp