How does VAU work and what are the benefits?

Users who rely on recurring payments or frequently shop online may choose to save their card details with merchants for a smoother checkout process. When card details change due to renewal or replacement, users typically need to update their information manually with each merchant. With VAU, this process becomes automatic. If a user has saved their card details with participating merchants, the VAU program securely provides the updated card information on their behalf — at no cost — helping prevent or reduce declined transactions caused by outdated card details.