Request card account updates

You can request real-time account updates for cards by making a POST request to the /account-updates endpoint. This provides an immediate response with old and new card account information for Visa and Mastercard cards. The average response time for this synchronous operation is approximately 2 seconds.

Important optional request fields
Field name	Description
`cardAccountAction`	This field is used to register or unregister the card account for subsequent automated inquiries. `REGISTER`: Use this value to register the card account. `UNREGISTER`: If the card account is registered, use this value to unregister the card account.
`merchantRecordIdentifier`	This field allows you to include your own internal identifier to associate to the inquiry. This value is included in future notifications.
`subMerchantId`	This field is required when you submit an inquiry for your sub-merchant. It contains the value used to register your sub-merchant with the payment networks.

Important response fields
Field name	Descriptions
`responseId`	The response ID is generated by the Account Updater system and can be used for `GET` calls to retrieve the response information at a later time.
`requestStatus`	Indicates current card registration status such as `REGISTERED` or `UNREGISTERED.`

HTTP method: POST

Endpoint: /account-updates

Scenario 1: Request an account updater inquiry using a PAN in the cardNumber field and include an optional subMerchantId. Register the card account for automated inquiries by including the cardAccountAction field with the value of REGISTER.

Json

{
    "accountInformation": {
        "cardNumber" : "4111111111111113",
        "expiry" : {
            "month" : "9",
            "year" : "2032"
        }
    },
    "subMerchantId" : "000000123123",
    "cardAccountAction" : "REGISTER"
}

Response:

Json

{
    "requestCreateTimestamp": "2024-11-15T01:13:46.21Z",
    "responseId": "89af6487-a14e-4cd8-8821-7f8c35df8a96",
    "requestId": "bd3e8655-081d-4c26-b406-559aaeb934bd",
    "requestStatus": "REGISTERED",
    "response": "SUCCESS",
    "accountUpdaterResult": {
        "oldAccountInformation": {
            "cardNumber": "4111111111111113",
            "expiry": {
                "month": 9,
                "year": 2032
            },
            "cardTypeName": "VISA",
            "accountNumberType": "PAN"
        },
        "newAccountInformation": {
            "cardNumber": "4111111180885260",
            "expiry": {
                "month": 9,
                "year": 2037
            },
            "cardTypeName": "VISA",
            "paymentMethodChanged": false,
            "accountNumberType": "PAN"
        },
        "networkResponse": {
            "networkResponseCode": "A"
        },
        "reasonMessage": "NEW_ACCOUNT_AND_EXPIRY",
        "responseMessage": "Account Update provided for both account number and expiry"
    },
    "cardAccountAction": "REGISTER",
    "subMerchantId": "000000676252"
}

Scenario 2: Request an account updater inquiry using a Safetech token.

When sending a safetech token in the cardNumber field, you must include the accountNumberType field with the value SAFETECH_TOKEN. If you omit this field, the value in the cardNumber field is treated as a PAN (Primary Account Number) by default.

Json

{
  "accountInformation" : {
    "accountNumberType": "SAFETECH_TOKEN",
    "cardNumber" : "4111111557381113",
    "expiry" : {
      "month" : 7,
      "year" : 2026
    }
  }
}

Response:

Json

{
    "requestCreateTimestamp": "2024-11-18T16:47:40.768Z",
    "responseId": "113194fc-2f07-4ff5-a3c3-85895652c629",
    "requestId": "da887c4b-68b5-4346-b390-2e81afb75223",
    "response": "SUCCESS",
    "accountUpdaterResult": {
        "oldAccountInformation": {
            "cardNumber": "4111111557381113",
            "expiry": {
                "month": 7,
                "year": 2026
            },
            "cardTypeName": "VISA",
            "accountNumberType": "SAFETECH_TOKEN"
        },
        "newAccountInformation": {
            "cardNumber": "4111117039188641",
            "expiry": {
                "month": 7,
                "year": 2031
            },
            "cardTypeName": "VISA",
            "paymentMethodChanged": false,
            "accountNumberType": "SAFETECH_TOKEN"
        },
        "networkResponse": {
            "networkResponseCode": "A"
        },
        "reasonMessage": "NEW_ACCOUNT_AND_EXPIRY",
        "responseMessage": "Account Update provided for both account number and expiry"
    }
}

Response field values and recommended action
reasonMessage	responseMessage	networkResponseCode Visa / Mastercard	Action recommended	Billable Update
NEW_ACCOUNT	Account Update provided for account number	`A` `/` `(not applicable)`	Update account number or token in your system	Yes
NEW_ACCOUNT_AND_EXPIRY	Account Update provided for both account number and expiry	`A` / `ACCOUNT_UPDATE`	Update account number or token in your system and expiration date.	Yes
NEW_EXPIRY	Account Update provided for account expiry	`E` / `EXPIRY`	Update expiration date in your system	Yes
CLOSED_ACCOUNT	Account has been closed	`C` / `(not applicable)`	Contact cardholder to obtain updated card information	Yes
CONTACT_CARDHOLDER	Contact Cardholder	`Q` / `CONTACT`	Contact cardholder to obtain updated card information	Yes
MATCH_NO_UPDATE	Valid card no update available	`V` / `VALID`	No action needed	No
NO_MATCH_NON_PARTICIPATING_BIN	BIN range does not participate in Account Updater	`N` / `NON_PARTICIPATING`	No action needed	No
NO_MATCH_PARTICIPATING_BIN	Participating BIN range card not found	`P` / `UNKNOWN`	No action needed	No