Standalone Account Updater

Last updated: September 24, 2025

The Standalone Account Updater enables you to leverage scheme account updater services to automatically update card details. This helps you:

Protect recurring revenue.
Reduce declines.
Accept more payments, regardless of the payment service provider you used to process the payment.

This feature supports the following schemes:

Visa
Mastercard
American Express

For Visa and Mastercard, you can request account updates on demand, independent to payment authorization transaction.

For American Express, the updates happen in batch. We recommend you request card details updates at least 24 hours before you plan to use the card.

Information

To enable the Standalone Account Updater, contact your account manager or request support.

To request a card update, call the Get updated card credentials endpoint.

You can request an update using either a payment instrument or the full card details.

The API automatically identifies the card scheme and routes the request to the appropriate service.

post

https://api.checkout.com/account-updater/cards


1{
2  "source_options": {
3    "instrument": {
4      "id": "src_wmlfc3zyhqzehihu7giusaaawu"
5    }
6  }
7}


1{
2  "source_options": {
3    "card": {
4      "number": "4242424242424242",
5      "expiry_month": 10,
6      "expiry_year": 2025
7    }
8  }
9}

The response returns an account_update_status field, which specifies the outcome of the update.


1{
2  "update_status": "CARD_UPDATED",
3  "card": {
4    "bin": "543642",
5    "last4": "4242",
6    "expiry_month": 5,
7    "expiry_year": 2025,
8    "fingerprint": "abc123fingerprint"
9  }
10}


1{
2  "update_status": "CARD_UPDATED",
3  "card": {
4    "encrypted_card_number": "3nCryp73dFPANv4lu3",
5    "expiry_month": 5,
6    "expiry_year": 2025,
7    "fingerprint": "abc123fingerprint"
8  }
9}

To learn how to decrypt the card number, see Retrieve FPAN in card updates.

If the update is successful, the account_update_status field is set to either:

CARD_UPDATED – The card number was updated.
CARD_EXPIRY_UPDATED – The card expiry date was updated.
CARD_CLOSED – The issuer closed the account and has not opened a new one. Contact the cardholder and request alternative card details.

The response also returns the updated card details in the card object, which may vary depending on the PCI compliance level.

If the update fails, the account_update_status field is set to either:

update_failed – The card update failed. The account_update_failure_code field provides more details:
- CARDHOLDER_OPT_OUT – The cardholder opted out of the service.
- UP_TO_DATE – There were no changes to the PAN or expiry date.
- NON_PARTICIPATING_BIN – The bank is not participating in the service.
- UNKNOWN – No match for the account number was found.

Standalone Account Updater

Information

Request an update

Request examples

Response examples

Successful update

Failed update