Real Time Account Updater

When you submit a payment that is refused, our Real Time Account Updater instantly checks with Visa and Mastercard for updated card details. If there’s an update, we’ll immediately retry the payment with the updated card details. This all happens as the payment is being processed, and appears as a single transaction.

Real Time Account Updater is available globally for participating Mastercard issuers, and for Visa cards issued in Canada and the United States.

Set up Real Time Account Updater

To set up Real Time Account Updater, contact our Support Team.

No additional integration steps are required if you’re using tokenization.

If you're storing card on file details, you can collect updated card details in an encrypted batch result file. These are generated automatically each day, and available to you in an SFTP directory. To set up an SFTP directory, contact our Support Team. You'll need to provide your IP address, and SSH and PGP keys. For more information, see Advanced SFTP batch files.

Receive card updates in payment response

You can optionally receive updated card details in the payment response, which you can use to update your other systems (such as a CRM tool).

To receive the updated card details:

  1. Log in to your Customer Area.
  2. Navigate to Account > API URLs.
  3. Go to the Additional data in API response section.
  4. Under Card, turn on the card details that you want to receive. We recommend at least the following: 

    For a description of the included fields for a card detail, click on the detail in your Customer Area.

    • Card bin details
    • Card summary
    • Expiry date
  5. Under Payment, turn on Realtime Account Updater Status.

If a card's details have been updated, you'll receive this information as additionalData in the payment response.

   additionalData: {
      expiryDate: "8/2018",
      realtimeAccountUpdaterStatus: "CardChanged",
      cardSummary: "1111",
      cardSchemeCommercial: "true",
      cardPaymentMethod: "visa",
      cardIssuingBank: "Bank of America",
      cardIssuingCountry: "US",
      cardIssuingCurrency: "USD",
      cardBin: "411111",
      fundingSource: "CREDIT"