--- title: "Account Updater: Enhanced Version" slug: "account-updater-enhanced-version" updated: 2026-03-31T19:00:08Z published: 2026-03-31T19:00:08Z --- > ## Documentation Index > Fetch the complete documentation index at: https://resource.payrix.com/llms.txt > Use this file to discover all available pages before exploring further. # Account Updater: Enhanced Version > [!WARNING] > **Notice** > > This article describes features that are in **beta** and enabled for a limited set of users. Functionality, availability, and documentation might change as we continue to improve the feature. > > To discuss enabling this beta 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] > 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] > 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 [Clean Up Tokens](/v1/docs/clean-up-tokens) 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 [Clean Up Tokens](/v1/docs/clean-up-tokens) 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 [Clean Up Tokens](/v1/docs/clean-up-tokens) 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 [Clean Up Tokens](/v1/docs/clean-up-tokens) 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 [Clean Up Tokens](/v1/docs/clean-up-tokens) 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 [Clean Up Tokens](/v1/docs/clean-up-tokens) 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 [Clean Up Tokens](/v1/docs/clean-up-tokens) 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 and Exclusions See [Maintain Token Quality](/v1/docs/clean-up-tokens) for guidelines on classifying tokens as inactive or eligible for exclusion from Account Updater.