Account Updater is a feature that automatically requests updates for vaulted payment methods in the event that a customer's vaulted card expires or is replaced – helping you avoid failed transactions or gaps in services provided to your customers.
Pricing for Account Updater varies depending on your pricing model. For more information on fees, contact our Accounts team.
Account Updater is generally available to merchants who use Braintree Direct and are domiciled in the US or transact primarily with US customers, but there are some exceptions. Contact our Accounts team to see if Account Updater is a good fit for your business.
Whether a card can be updated using Account Updater is dependent on the customer’s issuing bank and that bank's participation in this feature. As a result, even if a customer's card type is compatible, it may not be eligible for automatic updates if the issuing bank does not participate. Supported card types are:
The setup for Account Updater can vary depending on your business, so we don’t have it enabled on your account by default. We’ll work with you directly to make sure this feature is configured in a way that works best for your business. Contact our Accounts team to discuss setting up Account Updater.
When Account Updater is first enabled, we automatically send all vaulted Visa, Mastercard, and Discover credit card information to the card-issuing banks to request updates in batches of 200,000. If the issuing bank has opted to participate, they will respond with the new card number and/or expiration date – allowing us to update the vaulted card.
After the initial batch, we will request updates for cards on a rolling basis when they meet any of the following criteria:
- Card is expired
- Card is set to expire in the current month
- Recurring billing payment is due within 2 weeks
- Card has been processed successfully in the last 13 months but was declined by the processor within the last 30 days (Relevant Transaction Activity)
- Card has been flagged for Next Day Card Refresh
Next Day Card Refresh attempts to update vaulted cards if an authorization is declined with a specific decline code. This feature will only work if you have retry logic set up for failed transactions – whether it’s through our recurring billing feature or logic you’ve built in yourself. The decline codes that trigger Next Day Card Refresh can be found in the table below.
|2000||Do Not Honor|
|2005||Invalid Credit Card Number|
|2006||Invalid Expiration Date|
|2012||Processor Declined - Possible Lost Card|
|2013||Processor Declined - Possible Stolen Card|
|2022||Declined - Updated Cardholder Available|
|2043||Error - Do Not Retry, Call Issuer|
|2044||Declined - Call Issuer|
|2047||Call Issuer. Pick Up Card|
|2053||Card reported as lost or stolen|
Our reporting allows you to get a sense of how many cards are being updated, the reason each was updated, the date of the update, and whether the update was successful. If you display the last four digits or expiration date of the card for your customers, you can use these reports to easily keep that information updated.
You can find reporting for Account Updater in three ways:
- In the transaction history for an individual payment method
- By generating an Account Updater report
- By using a webhook
If you want to see the Account Updater activity for a specific payment method, you can find it in the payment method's transaction history.
You can search for individual payment methods by clicking on Vault under Advanced Search in the Control Panel. Once you’ve found the payment method you’re looking for, click on the Transaction ID to access the Transaction Details page. You’ll find the History section towards the bottom of this page.
Any descriptions that have the prefix AU in the Source Description field are events triggered by Account Updater. This box will also include the Event Description that was returned when the update was attempted.
The Account Updater report shows all Account Updater activity within a specified date range.
To generate an Account Updater report:
- Log into the Control Panel
- Under Vault, click Export Customers
- Under Account Updater, click Export
- Choose your date range
- Click Filter and Download
If you would like a daily report on Account Updater activity to be generated and sent to you via email, you can create a webhook for the Account Updater Daily Report. To have this webhook enabled, contact our Support team.
Event Descriptions let you know why a payment method was sent by Account Updater, and whether it was successfully updated. These descriptions can be found in the transaction history for a given payment method, the Account Updater report generated in the Control Panel, or the Daily Report generated by webhook. Here are the possible Event Descriptions:
- New account number
- New expiry date
- Call customer - account closed
- Call customer for updates
- Match found - card is current
- Call issuer for updates
- Do not retry
We will not attempt to resend any cards for updates that return the call customer, call issuer, or do not retry Event Descriptions until the payment method has been manually updated by a user in the Control Panel or via the API.
Still have questions?
If you can’t find an answer, contact our Support team.