This article outlines how to enable Account Updater, review updates, and manage related fees.
Enable Account Updater for a Merchant Group
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.
Select Customers on the left navigation panel.
Confirm that Payment Updates is in the dropdown menu to show that your account is enabled. If you don’t see Payment Updates in the dropdown menu, contact your Partner Success Manager to enable the feature.
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 filter and set time ranges or specific merchant entities.
Important!
Maintaining a clean token vault is essential for getting the most accurate and cost‑effective results from Account Updater. For more information on why token cleanup is beneficial and how to clean your token vault, access Token Maintenance Process.
Setup Costs and Ongoing Fees
Fees might 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 Setup 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:
Contacting 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.