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Mastercard Automatic Billing Updater

Mastercard requires all financial institutions that offer credit and debit cards, to participate in the Mastercard Automatic Billing Updater Service (ABU). ABU will provide updates to participating merchants who maintain your card information on file, to process your pre-authorized payments. Examples of these participating merchants may include subscription services or utility companies. When you receive a new card, for example expired, lost or stolen cards, this service will allow participating merchants to receive your updated card information.

INB is providing each debit card holder the ability to opt-out of ABU should you choose not to participate. Please note that not all merchants may participate in the ABU service. You should contact them to ensure uninterrupted service.

If you would like to opt-out, please download and fill out the form below. You can drop it off at any INB location, scan and email it to [email protected], or mail to 421 W. Riverside Ave., Spokane, WA 99201.


What is the Mastercard Automatic Billing Updater?

The Mastercard Automatic Billing Updater (ABU) is the automated solution that helps to ensure uninterrupted service for cardholders and uninterrupted payments by updating Card-On-File (COF) information for recurring and non-recurring payments. This program helps to reduce Card-On-File (COF) transaction declines due to changed account numbers and/or expiration dates.

Why is this service being offered to cardholders and when will it become available?

The Mastercard ABU Service is required by Mastercard for all issuers of consumer and business credit and debit cards, including INB. The Mastercard ABU Service is available for Debit Cards beginning October 2017.

How does the Automatic Billing Updater (ABU) service work?

Cardholders generally have recurring payments or a COF set up with a merchant(s). When account changes are made to a cardholder’s account – for example, a debit account number has been changed or an expiration date has been updated – cardholders often do not advise merchants about changed account information, which causes recurring payments to be declined, causing an inconvenience to customers. The Mastercard ABU Service allows the updated information to be provided to participating merchants on behalf of the customer resulting in fewer declines.

What are the benefits of the Mastercard ABU Service?

ABU can reduce ‘card not present’ declines; helps to ensure on-time bill payment; provides better customer service and can prevent late fees and service disruption.

Can customers decline this service?

Yes. A customer can request to opt-out of this service by completing and mailing the Mastercard ABU opt-out form, calling or emailing [email protected] The information is on the front of this document. However, they would lose the above-mentioned benefits.

If I do not opt-out, will all my payment information be automatically updated?

No. The Mastercard ABU Service is only available to participating merchants. They can choose the frequency at which they check for updated payment information. To avoid late payments and penalties, customers must check with their merchant to ensure that their card information has been updated. Not all Merchants are part of this service.

What if I do not update my debit card information with merchants or I opt-out of this service?

Automatic payments will be declined and merchants may charge a late fee.

What kind of Card-on-File (COF) merchants participate in this service?

COF merchants that keep cardholder’s card numbers on file for recurring payments may include phone companies, cable services, utilities, gym memberships, insurance companies, recurring charitable donations & music, movies and magazines subscriptions and more.

Do you have a list of participating merchants?

No. Participation in this service is at each merchant’s discretion. INB does not have a merchant list but is required to participate in this service as an Mastercard Issuer. Please note that not all merchants may participate in the ABU service. You should contact your individual merchants with updated information to ensure uninterrupted service.