Account Updater automatically checks and updates stored card numbers and expiration dates, helping to reduce declines and ensure seamless payments. This guide outlines how to enable Account Updater, review updates, understand the service’s response messages, and manage related fees.
Get Started
Before getting started, you must ensure your Merchant account or Group is enabled for the Account Updater feature.
To confirm the Account Updater service is enabled:
Log in to the Payrix Pro Portal.
Click Customers on the left navigation panel.
Result: If you see Payment Updates in the dropdown, your account is enabled. If not, contact your Partner Success Manager to enable the feature.
Supported Card Brands
Account Updater supports the following card brands by processing platform:
Vantiv (VAP): Visa, Mastercard, and Discover
Vantiv Core (VCore): All major card brands and Omnitoken
Note
Token ID values remain the same after each update.
Review Updated Account Information
To review updated account information after enabling the Account Updater feature, access the Payment Updates page under Customers on the left navigation panel.
The Payment Updates page displays a list of all updates for cards-on-file (COF):
Customer: The Customer associated with the COF.
Order Number: Last order using the COF (if applicable).
Token: The token hash value used for payments.
Last 4: The last four digits of the card.
Expiration: The expiration date for the tokenized credit card.
Updated Date: The date the COF information was updated.
Status: The status of the payment update; Pending, Processing, Failed or Processed.
Last Payment Made: The last transaction using the COF.
You can also download the Account Updater Report from the Reports page to easily filter and set time ranges or specific Merchant entities.
Account Updater Response Messages
When cardholder account information is updated, the Account Updater service returns a short message to explain the reason for the update.
Successful account updates return one of the following response codes:
Account number was changed: Submit the account number returned in the completion response.
Account was closed: Contact the cardholder for updated information.
Expiration date was changed: Submit the expiration date returned in the completion response.
Issuing bank does not participate in the update program: The issuer does not participate in the Account Updater program. Submit original card information.
Contact cardholder for updated information: Contact the cardholder for their updated card information.
No match found: There was no match found in the updated information. Submit the original card information.
No changes found: Submit the original card information.
Failed account updates return the following response codes:
Invalid credit card number: The card data failed validation. You will need to correct the issue and resubmit.
Invalid expiration date: The expiration date failed validation. You will need to correct the issue and resubmit.
Setup Costs and Ongoing Fees
Fees may apply when cardholder data is updated. You can pass these costs to Merchants using event-triggered fees.
The following fee schedules, also known as triggers, can be used to assess Account Updater-related fees to Merchants:
Account Updater Update: Triggers Fee on token update.
Account Updater Group Update: Triggers on payment update.
See Fee Management for details on setting up a fee with Account Updater event triggers.
Fee Cost Analysis
Charges are calculated per response from the Account Updater service and charged per updated token. Service responses that will trigger a fee include:
Contact the cardholder for updated information.
The account number was changed.
The account was closed.
The expiration date was changed.
Note
No fee is charged if no update occurs.