VISA® Account Updater (VAU) Service

When you use your Merck Sharp & Dohme Federal Credit Union Visa debit or credit card for recurring payments, like utility bills or subscription services, Visa will automatically update your card information through the Visa Account Updater (VAU) service whenever your card information changes. All Visa debit and credit card holders enjoy this benefit automatically; no enrollment or activation is required.

Here’s how VAU works.

When your card’s expiration date or card number changes (if the original card is lost/stolen or reissued), Visa will communicate your new card information directly to participating merchants that you have authorized to charge your card. VAU only applies to recurring Visa debit and credit card payments, and updates are only sent to qualified participating merchants. VAU is designed to help prevent interruption of your recurring payments and possible service disruptions when your card information changes. Because not all merchants subscribe to VAU, we recommend that you notify each merchant of your new debit or credit card number and/or expiration date to ensure your payments continue uninterrupted.

VAU is provided as a free benefit to Visa cardholders. If you do not want Visa to update your payment information, you may wish to Opt-Out of the VAU Service.