The Stripe Real‑Time Account Updater (RTAU) ensures your stored credit card details are automatically updated, reducing payment declines and preventing involuntary churn in subscription billing.

The Stripe Real‑Time Account Updater (RTAU) automatically refreshes stored credit card details (for example, new expiration dates or replacement card numbers) when card networks notify Stripe of changes. Zuora Payments uses Stripe’s RTAU webhooks to keep your saved card data up to date, reducing payment declines caused by outdated card information and helping you avoid involuntary churn on recurring and subscription billing.

With Zuora’s Payment Orchestration for Stripe:

• Card updates are applied automatically to existing credit card payment methods in Zuora.
• No payment method migration is required.
• Merchants do not need to take any manual action once the feature is enabled.