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
Card information updates can result from:
Account closures Expiry date changes Cards being replaced that are reported as lost, stolen, or expired
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Alternatively, the account may be closed, meaning the account number and expiry date are no longer valid.
Before you start
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)
To learn more and enable the Real-Time Account Updater, reach out to your Account Manager or
. [email protected] Retrieve card updates
You can use webhook notifications to retrieve card updates.
payment_declined webhook notifications
There will be no schema changes to the payment webhooks
payment_declined. We will return the new card information used for payment in the following payment response fields:
card_updated webhook notification
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.
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)
Account Updater card updated example
"id" : "evt_htielsmgcwgejgqaunl4yb2pou" ,
"type" : "card_updated" ,
"created_on" : "2022-10-11T17:21:45.7502303Z" ,
"client_id" : "cli_vjmdzvijizs7o26kiuiakywvyi" ,
"reason_type" : "card_updated" ,
"source_scheme" : "visa" ,
"fingerprint" : "71580b426f1d190d29087ff265d8f48df1ad34ede41c27cbff9d23c1a14d1776"
"fingerprint" : "47586b424h5i190d29087ff265d8f48df1ad34nfj41c27cbff9d23c1a14d5649"
"id" : "src_nwd3m4in3hkuddfpjsaevunhdy"
"id" : "src_wmlfc3zyhqzehihu7giusaaawu"
"id" : "src_zxlfc4rdsqze56cde5iusrltou" Retrieve card updates in the payment response
Once your account is enabled for the Real-Time Account Updater, card updates will be reflected in the following payment response fields:
To help increase authorization success rates, as of December 2022, Checkout.com no longer blocks payments with lapsed expiry dates.
The following example does not display a full response, only the part of a response that relates to the Real-Time Account Updater.
"fingerprint" : "F31828E2BDABAE63EB694903825CDD36041CC6ED461440B81415895855502832" ,