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.

Fees

Pricing for Account Updater varies depending on your pricing model. For more information on fees, contact our Accounts team.

Compatibility

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.

Customer compatibility

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:

  • Visa
  • Mastercard
  • Discover
note

Prepaid, Apple Pay, and Android Pay cards are not supported.

Setup

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.

How it works

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.

note

If you have more than 2 million payment methods saved in your Vault when you enable Account Updater, we will only request updates for cards that have expired in the last 13 months.

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

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.

Decline Code Reason
2000 Do Not Honor
2004 Expired Card
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

Learn more about decline codes and their meanings.

Reporting

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:

Individual payment methods

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.

Account Updater report

The Account Updater report shows all Account Updater activity within a specified date range.

To generate an Account Updater report:

  1. Log into the Control Panel
  2. Under Vault, click Export Customers
  3. Under Account Updater, click Export
  4. Choose your date range
  5. Click Filter and Download
note

Account Updater reports are limited to 40,000 rows.

Account Updater webhook

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.

note

The column names in the Daily Report sent via webhook are slightly different from the ones in the report generated from the Control Panel. In the Daily Report, Event Descriptions are in the update_type column.

Event Descriptions

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
  • Error

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.


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