Card Account Updater
Card Account Updater (CAU) helps merchants keep customer credit card information current by automatically updating expired or replaced cards. This service reduces payment disruptions caused by outdated card details, making it especially useful for businesses with recurring payments or subscriptions.
How Card Account Updater Works
Card Account Updater must be enabled on your account to take advantage of automatic updates to card details. If you are interested in enabling Card Account Updater, please reach out to .
Card details are checked
checks stored card details for updates weekly, on Mondays. The process to check for updates takes up to 3 days. If an update is found, the card on file is automatically updated with the new credit card details.
Webhook event is triggered
Each time a card is checked, triggers a payment_method.updated event containing the response from the response and the updated_at timestamp.
View Card Account Updater Results
To view Card Account Updater responses via the Dashboard:
- Navigate to the Payment page
- Select the payment you wish to review
- Locate the Payment Method card
In the Payment Method card, you'll see a row displaying the Last Updater Response and the Last Updated At timestamp.
Card Account Updater Responses
| RESPONSE | DESCRIPTION | BILLABLE |
|---|---|---|
account_closed | Issuer has communicated that this account is no longer available for processing. The payment method is no longer chargeable. | ✓ |
account_expiration_date_updated | The expiration number has been updated. | ✓ |
account_number_updated | The account number has been updated or both the account number and expiration date combined were updated. | ✓ |
contact_cardholder | The issuer has identified that this consumer has requested not to have account details updated. | ✓ |
inactive_card | This card number has not had an authorization over $.01 in the past 24 months and will not be able to receive updates on this card number until it sees payment volume. This response is only applicable to Amex cards. | ✗ |
new_card | Card account was recently opened. No updates available yet from the card brand. | ✗ |
no_match | There is no known update available. Currently the card brand may not have a matching card on file, potentially because there is no update. | ✗ |
valid_account | Account is valid. Currently there is no update available. | ✗ |