Real-Time Account Updater
Beta

Last updated: February 1, 2023

Checkout.com's Real-Time Account Updater is a service that enables automatic updating of payment card details when they change.

With this service, you will be able to receive updated card details for Visa and Mastercard cards in real time, and save payments from being refused.

Card information updates can result from:

Account closures
Expiry date changes
Cards being replaced that are reported as lost, stolen, or expired

Note

Although issuer portfolio conversions can cause card updates, these are not supported currently.

During card information updates, one of the following combinations is possible:

The card number changes, and the expiry date stays the same
The card number stays the same, and the expiry date changes
Both the card number and the expiry date change

Alternatively, the account may be closed, meaning the account number and expiry date are no longer valid.

To receive card updates from the Real-Time Account Updater, you must meet these criteria:

You previously stored the card details in our Vault, and are requesting a payment using a payment instrument
The amount specified in the payment is greater than zero (not a card verification)
The source of payment is not a network token
The transaction type for Visa payments is Merchant-Initiated Transaction (MIT)

Information

To learn more and enable the Real-Time Account Updater, reach out to your Account Manager or [email protected].

You can use webhook notifications to retrieve card updates.

There will be no schema changes to the payment webhooks payment_approved and payment_declined. We will return the new card information used for payment in the following payment response fields:

bin
expiry_month
expiry_year
fingerprint
last4

To receive information with both old card details and new card details, you need to either:

In the webhook, reason_type will indicate the reason for the update.

Possible values:

card_updated - the card number has changed
card_expiry_updated - the card expiry date has changed
card_closed - the card account has been closed by the issuer, and the new account is not opened (contact the cardholder to get new card details)
contact_cardholder - the card was updated, but the cardholder has opted out of the Account Updater service via the issuer (contact the cardholder to get new card details)


1{
2  "id": "evt_htielsmgcwgejgqaunl4yb2pou",
3  "type": "card_updated",
4  "version": "1.0.0",
5  "created_on": "2022-10-11T17:21:45.7502303Z",
6  "data": {
7    "client_id": "cli_vjmdzvijizs7o26kiuiakywvyi",
8    "reason_type": "card_updated",
9    "source_scheme": "visa",
10    "original_card": {
11      "scheme": "visa",
12      "bin": "42424242",
13      "last4": "2345",
14      "expiry_month": 10,
15      "expiry_year": 2022,
16      "fingerprint": "71580b426f1d190d29087ff265d8f48df1ad34ede41c27cbff9d23c1a14d1776"
17    },
18    "replacement_card": {
19      "scheme": "visa",
20      "bin": "42424242",
21      "last4": "3456",
22      "expiry_month": 12,
23      "expiry_year": 2025,
24      "fingerprint": "47586b424h5i190d29087ff265d8f48df1ad34nfj41c27cbff9d23c1a14d5649"
25    },
26    "sources": [
27      {
28        "id": "src_nwd3m4in3hkuddfpjsaevunhdy"
29      },
30      {
31        "id": "src_wmlfc3zyhqzehihu7giusaaawu"
32      },
33      {
34        "id": "src_zxlfc4rdsqze56cde5iusrltou"
35      }
36    ]
37  }
38}

Once your account is enabled for the Real-Time Account Updater, card updates will be reflected in the following payment response fields:

bin
expiry_month
expiry_year
fingerprint
last4

Note

To help increase authorization success rates, as of December 2022, Checkout.com no longer blocks payments with lapsed expiry dates.

Information

The following example does not display a full response, only the part of a response that relates to the Real-Time Account Updater.


1{
2  "source": {
3    "last4": "4242",
4    "fingerprint": "F31828E2BDABAE63EB694903825CDD36041CC6ED461440B81415895855502832",
5    "bin": "424242",
6    "expiry_month": 10,
7    "expiry_year": 2027
8  }
9}

We've made some changes to our API

Real-Time Account Updater
Beta

Card information updates

Note

Before you start

Information

Retrieve card updates

`payment_approved` and `payment_declined` webhook notifications

`card_updated` webhook notification

Account Updater card updated example

Retrieve card updates in the payment response

Note

Response example

Information

Card information updates

Note

Before you start

Information

Retrieve card updates

payment_approved and payment_declined webhook notifications

card_updated webhook notification

Account Updater card updated example

Retrieve card updates in the payment response

Note

Response example

Information

`payment_approved` and `payment_declined` webhook notifications

`card_updated` webhook notification