Account Updater

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 and payment methods: Visa, Mastercard, American Express, Discover, 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 messages:

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 messages:

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.

Account Updater Response Codes

The Account Updater response code and its associated message specify whether or not an account number has been changed and what type of change occurred, if any. The responses are card brand specific and can be found in the following sections.

Visa

Code	Response from Card Brand	Payrix Pro Meaning	Qualifies for Fees
A	Match made, new account number	A match has been found and the account number has changed.	Yes
C	Match made, closed account	A match has been found, but the account has been closed.	Yes
E	Match made, expiration date changed	A match has been found, but the expiration date has changed.	Yes
Q	Match made, contact cardholder	A match has been found. Contact the cardholder for updated information.	Yes
N	No match, non-participating BIN	No match. The Issuer does not participate in the Account Updater program.	No
P	No match, participating BIN	No match found. The Issuer does participate in the Account Updater program.	No
V	Match made, account number and expiration date unchanged	Match found and there’s no change in account number or expiration date.	No
Unknown response code	Received response code does not match per spec	No match found. No action required.	No

Mastercard

Code	Response from Card Brand	Payrix Pro Meaning	Qualifies for Fees
UPDATE	Match made, update data provided	A match has been found, and the account number and expiration date have changed.	Yes
CONTAC	Card Cancellation	A match has been found, but the account has been closed.	Yes
EXPIRY	Expiration Date Change	The expiration date has changed.	Yes
VALID	Fraud	No change to account number.	No
UNKNWN	Fraud	No change to account number.	No
N	Fraud	No change to account number.	No
P	Fraud	No change to account number.	No
V	Fraud	No change to account number.	No
Unknown response code	Received response code does not match per spec	No match found. No action required.	No

Discover

Code	Response from Card Brand	Payrix Pro Meaning	Qualifies for Fees
A	Account Number Change: Issuer has replaced Cardholder Acct	The account number and expiration date have changed.	Yes
C	Closed Account: Issuer closed Cardholder Acct.	The account has been closed.	Yes
E	Match made, expiration date changed	The expiration date has changed.	Yes
Q	Contact Cardholder Advice: Cardholder has withheld Updates	Cardholder has withheld updates. Contact the cardholder for updated information.	Yes
O	Override: Issuer Corrected a previous Update	Issuer corrected a previous update.	Yes
15	Card Account Number Not Valid	Account number is invalid.	No
16	Expiration Date Not Numeric	Expiration date format is invalid.	No
27	Undefined Error	Error	No
Unknown response code	Received response code does not match per spec	No match found. No action required.	No

American Express

Code	Response from Card Brand	Payrix Pro Meaning	Qualifies for Fees
CB	Card and Expiration Date Change	Match found. The account number and expiration date have changed.	Yes
XC	Card Cancellation	Match found. The account has been closed or cancelled.	Yes
CC	Card Change	Match found. The account number has changed.	Yes
CE	Expiration Date Change	Match found. The expiration date has changed.	Yes
XF	Fraud	Fraud activity.	No
XI	Inactivity	Account inactivity.	No
XB	Merchant	Merchant	No
XE	Inactive Seller	Inactive seller	No
Unknown response code	Received response code does not match per spec	No match found. No action required.	No

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.