Spreedly supports Just-In-Time Card Updates for Visa cards dynamically.

2025-06-21

Spreedly has recently enhanced its platform by integrating Just-In-Time Card Updates for Visa Cards, which are supported by Visa Account Updater (VAU). This initiative aims to address the common issue of failed payments due to outdated card details, particularly in recurring billing or subscription models.

Through this move, Spreedly intends to provide merchants with up-to-date card credentials when needed. The integration of Just-In-Time Card Updates is designed to offer more control and responsiveness to merchants.

Strategic Partnership with Visa

This development further solidifies Spreedly’s strategic partnership with Visa, which has been ongoing since 2021. Together, they have worked on initiatives such as fostering the adoption of network tokenization through Spreedly’s Payment Orchestration solution in Latin America.

In addition to integrating VAU for Just-In-Time Card Updates, Spreedly is now incorporating Visa Acceptance into key gateways like CyberSource and Authorize.net. The goal here is to provide merchants with greater reach and reliability.

Benefits of the Integration

Compared to traditional card update strategies that operate on a scheduled batch basis, Just-In-Time Card Updates enable real-time access to refreshed card credentials at the point of transaction. This capability leverages Spreedly’s Advanced Vault capabilities within the Open Payments Platform.

The integration offers several benefits to Spreedly’s merchant partners:

Augmented authorisation rates, reducing declines caused by outdated card details and recovering revenue from failed transactions.
Increased operational efficiency, as on-demand updates eliminate the need for constant background refreshments.
Customer retention, ensuring that service interruptions are prevented and customer loyalty is improved through simplified transactions.
Expanded flexibility, allowing merchants to manage card updates according to their needs.

Spreedly emphasizes its commitment to providing merchants with the flexibility and capabilities they need to optimize their transactions.