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

# Overview

The Account Updater API assists with processing your recurring and stored payment transactions by providing you with up-to-date primary account number (PAN), expiration date, and account status information. By keeping your stored cardholder payment data current, you ensure higher approval rates and lower costs due to fewer authorization retries.

You control the frequency of account update inquiries and receive immediate real-time responses for Visa and Mastercard. For Discover, if the request is sent before the cut-off time, the account update details are available the next day. If it is sent after the cut-off time, the updates are available in a few days. You can register your card accounts with us. We provide you with webhook notifications (via the [Notifications API](/docs/commerce/optimization-protection/capabilities/notifications/index)) when we identify new card account detail updates due to card expiration, card reissue, and/or account closure activities. 

> 
> - We currently support Mastercard, Visa, and Discover card account updates with plans for future payment network expansion.
> 
> - Card account transactions submitted with Direct Marketing merchant category codes (MCCs) 5962, 5966, and 5967, are not eligible for the Account Updater service.
> 

![account-updater-flowdiag](/api/download/en/docs/commerce/optimization-protection/capabilities/account-updater/overview-cfs/account-updater-flow-diagram.png?type=image)

## Availability

The Account Updater API is available for use in the following regions with supported card brands:

 
**Supported card brands**

| Regions | Card brand | 
| --- | --- | 
| United States | VISA, Mastercard, and Discover | 
| Canada | VISA and Mastercard | 
| United Kingdom | VISA and Mastercard | 
| Europe | VISA and Mastercard | 

## How account updater works

The following steps help you get started with Account Updater:

1. Request access — Follow the steps in [getting started](/docs/commerce/optimization-protection/getting-started) to set up access to the Account Updater API.

2. Determine which use cases you want to support —
  1. Merchant-managed inquiries (Account Updater API only) – Learn how to [request card account updates](/docs/commerce/optimization-protection/capabilities/account-updater/how-to/request-card-account-updates) for Mastercard, Visa, and Discover by using Primary Account Number (PAN) or Safetech token.
  2. Card registration ([Account Updater API](/docs/commerce/optimization-protection/capabilities/account-updater/how-to/request-card-account-updates) and [Notifications API](https://developer.payments.jpmorgan.com/docs/commerce/optimization-protection/capabilities/notifications/notification-types#account-updater-events)) – Learn how to [request card registration](/docs/commerce/optimization-protection/capabilities/account-updater/how-to/request-card-account-updates#request-card-registration) and set up webhook notifications.

3. Perform testing — Learn about [testing](/docs/commerce/optimization-protection/capabilities/account-updater/testing) by using test card data to help you integrate efficiently with real-time request and response messages.

4. Get notifications — Learn how to [receive notifications](/docs/commerce/optimization-protection/capabilities/notifications/notification-types#account-updater-events) for retrieval of new card account information.

## Related

[Testing](/docs/commerce/optimization-protection/capabilities/account-updater/testing)

[Request card account updates](/docs/commerce/optimization-protection/capabilities/account-updater/how-to/request-card-account-updates)

[Retrieve latest card account updates](/docs/commerce/optimization-protection/capabilities/account-updater/how-to/retrieve-latest-card-account-updates)

[Notifications API](/docs/commerce/optimization-protection/capabilities/notifications/index)