Overview
The Account Updater API assists with the processing of 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 re-tries.
You control the frequency of your account update inquiries and receive immediate real-time responses with details of updated card account information. You can also register your card accounts with us, and we automate the inquiry process for you. We provide you with webhook notifications (via the Notifications API) when we identify new card account detail updates due to card expiration, card reissue, and/or account closure activities.
Availability
The Account Updater API is available for use in the following regions:
- Canada
- Europe
- United Kingdom
- United States
How account updater works
The following steps help you get started with Account Updater:
- Request access — Follow the steps in getting started to set up access to the Account Updater API.
- Determine which use cases you want to support —
- Merchant-managed inquiries (Account Updater API only) – Learn how to request card account updates for Mastercard and Visa by using Primary Account Number (PAN) or Safetech token.
- Automated account update inquiries (Account Updater API and Notifications API) – Learn how to register your card accounts for automated account update inquiries and set up webhook notifications.
- Perform testing — Learn about testing by using test card data to help you integrate efficiently with real-time request and response messages.
- Get notifications — Learn how to receive notifications for retrieval of new card account information.