Account Updater: Enhanced Version

Notice
This article describes features that are in pilot and enabled for a limited set of users. Functionality, availability, and documentation might change as we continue to improve this feature.
To discuss enabling this pilot feature for your implementation, contact your Partner Experience Manager.

The enhanced version of Account Updater supports all four major card brands. It also provides more detailed, brand‑specific response codes compared to the base version, delivering clearer insights into card updates and improving downstream processing accuracy.

Note
Account Updater automatically checks for updates based on the configured frequency. We recommend you set the frequency to every 30 days.

Supported Card Brands

Account Updater supports the following card brands and payment methods:

Visa
Mastercard
Discover
American Express
Omnitoken

Token ID values remain the same after each update.

Response Codes

Response codes and messages show whether an account number was updated and what type of change occurred. Card‑brand variations are outlined in the related sections.

Note
If you are migrating from the Base Version to the Enhanced Version of Account Updater, you might need to update your logic to handle the response messages shown below.

Visa

The following table outlines the response codes for Visa:

Code	Response from Card Brand	Payrix Pro Meaning	Recommended Action	Qualifies for Fees
A	Match made, new account number	A match was found and the account number has changed.	Merchant should update their records with the new account information.	Yes
C	Match made, closed account	A match was found, but the account has been closed.	Merchant should update their records to note that the account is closed. Merchant should consider marking the token as Inactive or excluding the token from future submissions. Access Token Maintenance Process for more information.	Yes
E	Match made, expiration date changed	A match was found, but the expiration date has changed.	Merchant should update their records with the new account information.	Yes
Q	Match made, contact cardholder	A match was found. Contact the cardholder for updated information.	Merchant should contact the cardholder for updated information. Merchant should consider marking the token as Inactive or excluding the token from future submissions. Access Token Maintenance Process for more information.	Yes
N	No match, non-participating BIN	No match. The Issuer does not participate in the Account Updater program.	No action required.	No
P	No match, participating BIN	No match found. The Issuer does participate in the Account Updater program.	No action required.	No
V	Match made, account number and expiration date unchanged	Match found and there’s no change in account number or expiration date.	No action required.	No
Unknown response code	Received response code does not match per spec	No match found. No action required.	No action required.	No

Mastercard

The following table outlines the response codes for Mastercard:

Code	Response from Card Brand	Payrix Pro Meaning	Recommended Action	Qualifies for Fees
UPDATE	Match made, update data provided	A match was found, and the account number and expiration date have changed.	Merchant should update their records with the new account information.	Yes
CONTAC	Card Cancellation	A match was found, but the account has been closed.	Merchant should update their records to note that the account is closed. Merchant should consider marking the token as Inactive or excluding the token from future submissions. Access Token Maintenance Process for more information.	Yes
EXPIRY	Expiration Date Change	The expiration date has changed.	Merchant should update their records with the new account information.	Yes
Q	Match made, contact cardholder	A match was found. Contact the cardholder for updated information.	Merchant should contact the cardholder for updated information. Merchant should consider marking the token as Inactive or excluding the token from future submissions. Access Token Maintenance Process for more information.	Yes
VALID	Fraud	No change to account number.	No action required.	No
UNKNWN	Fraud	No change to account number.	No action required.	No
N	Fraud	No change to account number.	No action required.	No
P	Fraud	No change to account number.	No action required.	No
V	Fraud	No change to account number.	No action required.	No
Unknown response code	Received response code does not match per spec	No match found. No action required.	No action required.	No

Discover

The following table outlines the response codes for Discover:

Code	Response from Card Brand	Payrix Pro Meaning	Recommended Action	Qualifies for Fees
A	Account Number Change: Issuer has replaced Cardholder Acct	The account number and expiration date were changed.	Merchant should update their records with the new account information.	Yes
C	Closed Account: Issuer closed Cardholder Acct.	The account was closed.	Merchant should update their records to note that the account is closed. Merchant should consider marking the token as Inactive or excluding the token from future submissions. Access Token Maintenance Process for more information.	Yes
E	Match made, expiration date changed	The expiration date was changed.	Merchant should update their records with the new account information.	Yes
Q	Contact Cardholder Advice: Cardholder has withheld Updates	Cardholder has withheld updates. Contact the cardholder for updated information.	Merchant should contact the cardholder for updated information. Merchant should consider marking the token as Inactive or excluding the token from future submissions. Access Token Maintenance Process for more information.	Yes
O	Override: Issuer Corrected a previous Update	Issuer corrected a previous update.	Merchant should update their records with the new account information.	Yes
15	Card Account Number Not Valid	Account number is invalid.	Merchant should contact the cardholder for updated information.	No
16	Expiration Date Not Numeric	Expiration date format is invalid.	Merchant should contact the cardholder for updated information.	No
27	Undefined Error	Error	Merchant should review the response.	No
Unknown response code	Received response code does not match per spec	No match found. No action required.	No action required.	No

American Express

The following table outlines the response codes for American Express:

Code	Response from Card Brand	Payrix Pro Meaning	Recommended Action	Qualifies for Fees
XC	Card Cancellation	Match found. The account has been closed or cancelled.	Merchant should update their records to note that the account is closed. Merchant should consider marking the token as Inactive or excluding the token from future submissions. Access Token Maintenance Process for more information.	Yes
XI	Inactivity	Account inactivity.	No action required.	No
Unknown response code	Received response code does not match per spec	No match found. No action required.	No action required.	No

Rules for Identifying Inactive Tokens

If the card or token has had no successful transactions in the past 12 months, it is classified as Inactive. Inactive tokens might cause issues during transaction processing.