# JPMC-PDP Documentation from https://developer.payments.jpmorgan.com

# Brandflip logic

A brandflip refers to the process where an issuing bank changes the card brand for a consumer. For example, the bank switches from Visa, American Express, or Discover to Mastercard. This occurs when a consumer’s account migrates from one payment network to another, such as Visa to Mastercard.

When you request an account update for a Visa card and receive a `CLOSED_ACCOUNT` response from Visa, or for a Mastercard card and receive a `CONTACT_CARDHOLDER` response from Mastercard, we apply brandflip logic to maximize the chance of finding a valid account for the consumer.

> Brandflip logic applies only to one-time inquiries when you are entitled for Visa, Mastercard, and Discover.
> 

**Applying brandflip logic for previously issued Visa cards**

Follow these steps to apply brandflip logic,

**Step 1:** We check with Mastercard for a new account and expiry details using the originally presented Visa card.

- If Mastercard returns NEW_ACCOUNT_AND_EXPIRY, we respond with the new Mastercard account details. This is a brandflip scenario.

- If Mastercard returns NO_MATCH_NON_PARTICIPATING_BIN, we proceed to Step 2.

**Step 2:** We check with Discover using the same Visa card details.

- If Discover returns NEW_ACCOUNT_AND_EXPIRY, we respond with the new Discover account details. This is a brandflip scenario.

- If Discover returns no update, we respond with the original Visa account as CLOSED_ACCOUNT and complete the brandflip process.

## Bypass brand check

The Account Updater API supports a bypass brand check feature for merchants entitled for Visa, Mastercard, and Discover. This enhancement allows you to receive real-time responses and avoid asynchronous acknowledgments when running one-time inquiries.

**How it works:**

When the request includes `bypassBrandCheckIndicator` field set to `true`, we check only with Mastercard after receiving a `CLOSED_ACCOUNT` from Visa.

- If Mastercard provides a new account and expiry, we respond with those details.

- If not, we respond with the Visa account as CLOSED_ACCOUNT.

- No check is performed with Discover, ensuring a real-time response.

Similarly, if you request an account update for a Mastercard card and receive a `CONTACT_CARDHOLDER` response from Mastercard, we check only with Visa for updated account details.

- If Visa provides a new account and expiry, we respond with those details.

- If not, we respond with the Mastercard account as CONTACT_CARDHOLDER.

- No check is performed with Discover, ensuring a real-time response

When `bypassBrandCheckIndicator` field is set to `false` or is omitted:

- We apply the full brandflip logic, checking with Mastercard and then Discover if needed.

- If Discover is checked, the response may be asynchronous, and you may receive an expectedRecordUpdateTimestamp for when the update will be available.

## Request account updater for Visa with bypassBrandCheckIndicator set to true

Request an account updater for Visa with `bypassBrandCheckIndicator` flag set to `true`. The account is verified against Mastercard. When Mastercard does not provide a new account and expiry, we update `reasonMessage`  to `CLOSED_ACCOUNT.`

**HTTP method: **`POST`
**Endpoint: **`/account-updates`

```json
{
  "accountInformation": {
    "cardNumber": "4111111111111114",
    "expiry": {
      "month": "9",
      "year": "2032"
    }
  },
  "bypassBrandCheckIndicator": true
}
```

**Response:**

```json
{
  "requestCreateTimestamp": "2026-05-05T18:25:56.512Z",
  "responseId": "edb56227-7ec3-47e8-8500-00655daca112",
  "requestId": "41c52182-7825-4026-8beb-c7b2a43ca13b",
  "response": "SUCCESS",
  "accountUpdaterResult": {
    "oldAccountInformation": {
      "cardNumber": "4111111111111114",
      "expiry": {
        "month": 9,
        "year": 2032
      },
      "cardTypeName": "VISA",
      "accountNumberType": "PAN"
    },
    "networkResponse": {
      "networkResponseCode": "C"
    },
    "reasonMessage": "CLOSED_ACCOUNT",
    "responseMessage": "Account has been closed"
  },
  "bypassBrandCheckIndicator": true
}
```

## Request account updater for Mastercard with bypassBrandCheckIndicator set to true

<span style="font-weight: normal;">Request an account updater for Mastercard with bypassBrandCheckIndicator flag set to true. The account is verified against Visa. When Visa does not provide a new account and expiry, we update `reasonMessage`  to `CONTACT_CARDHOLDER`.</span>

**HTTP method: **`POST`
**Endpoint: **`/account-updates`

```json
{
  "accountInformation": {
    "cardNumber": "5111111111111114",
    "expiry": {
      "month": 8,
      "year": 2026
    }
  },
   "bypassBrandCheckIndicator": true
}
```

**Response:**

```json
{
  "requestCreateTimestamp": "2026-05-06T14:08:27.789Z",
  "responseId": "c30c2699-28e5-4cd6-816a-d1ca90586690",
  "requestId": "6ce91312-5d1c-4a2b-8304-acf8bc450e88",
  "response": "SUCCESS",
  "accountUpdaterResult": {
    "oldAccountInformation": {
      "cardNumber": "5111111111111114",
      "expiry": {
        "month": 8,
        "year": 2026
      },
      "cardTypeName": "MASTERCARD",
      "accountNumberType": "PAN"
    },
    "networkResponse": {
      "networkResponseCode": "CONTACT"
    },
    "reasonMessage": "CONTACT_CARDHOLDER",
    "responseMessage": "Contact Cardholder"
  },
  "bypassBrandCheckIndicator": true
}
```