# Account Updater

Your customer's card details may change due to expiration, loss, or other account changes. This may result in refused outcomes if you attempt subsequent Customer Initiated Transactions (CITs) or Merchant Initiated Transactions (MITs) using outdated credentials.

## Receive real-time account updates

Your customer's card details can either be stored by you, or by us in a [Worldpay token](/products/tokens). When you submit payment requests using these card details, we can check if updated card details are available before attempting a payment authorization.

We have two offerings available:

* Managed - we apply merchant configuration to your `entity` and automatically check for updated card details when you attempt qualifying payments. No changes are required to your payment requests.
* Request a real-time account update in your payment request by setting the `instruction.requestAccountUpdater` boolean to `true`.


In both cases, if updated card details are available, we apply them before requesting payment authorization. We return updated card details in the `updatedPaymentInstrument` object in our response.

You can supply `requestAccountUpdater` in MITs and only those CITs where `customerAgreement.storedCardUsage` is set to `subsequent`.

## Request

Set `instruction.requestAccountUpdater` to `true` to request updated card details for the `paymentInstrument` supplied. If the stored card details, that you have provided for the transaction, are no longer valid and new credentials are available, the authorization is processed with the new card and its details are returned in the `updatedPaymentInstrument` object in our response.

No changes are required in the request body if you are using our "Managed Account Updater" offering.

To trigger specific scenarios in testing, use the magic values available in our [Account Updater testing guidance](/products/card-payments/testing#real-time-account-updater-test-values).

### Request example

Account Updater (Request)
{
    "transactionReference": "Memory265-13/08/1876",
    "channel": "ecom",
    "merchant": {
        "entity": "default"
    },
    "instruction": {
        "requestAutoSettlement": {
            "enabled": false
        },
        "narrative": {
            "line1": "Mind Palace"
        },
        "value": {
            "currency": "GBP",
            "amount": 250
        },
        "paymentInstrument": {
            "type": "card/plain",
            "cardNumber": "4444333322221111",
            "expiryDate": {
                "month": 5,
                "year": 2035
            }
        },
        "customerAgreement":{
            "type": "cardOnFile",
            "storedCardUsage": "subsequent"
        },
        "requestAccountUpdater": true
    }
}

## Response

If updated card details have been applied in your request, the `updatedPaymentInstrument` object is returned in the response.

### Response examples

Account Updater (Response)
{
    "outcome": "authorized",
    "paymentId": "pay28NdG68sv-13_sDcu5Bwt0",
    "commandId": "cmd8hJcb20_sh2-sbRjx88wL0",
    "riskFactors": [
        {
            "type": "cvc",
            "risk": "notSupplied"
        },
        {
            "type": "avs",
            "risk": "notChecked",
            "detail": "address"
        },
        {
            "type": "avs",
            "risk": "notChecked",
            "detail": "postcode"
        }
    ],
    "issuer": {
        "authorizationCode": "12345A"
    },
    "scheme": {
        "reference": "060720116005060"
    },
    "updatedPaymentInstrument": {
        "cardBin": "491183",
        "lastFour": "0000",
        "expiryDate": {
            "month": 9,
            "year": 2031
        },
        "cardBrand": "visa",
        "fundingType": "credit",
        "accountUpdaterMessage": "The account number was changed",
        "type": "card/plain+masked"
    },
    "paymentInstrument": {
        "type": "card/plain+masked",
        "cardBin": "444433",
        "lastFour": "1111",
        "category": "consumer",
        "expiryDate": {
            "month": 5,
            "year": 2023
        },
        "cardBrand": "visa",
        "fundingType": "credit",
        "issuerName": "Some Issuer PLC",
        "paymentAccountReference": "Q1HJZ28RKA1EBL470G9XYG90R5D3E"
    },
    "_links": {
        "cardPayments:cancel": {
            "href": "https://try.access.worldpay.com/payments/authorizations/cancellations/eyJrIjoiazNhYjYzMiI="
        },
        "cardPayments:partialCancel": {
            "href": "https://try.access.worldpay.com/payments/authorizations/cancellations/partials/eyJrIjoiazNhYjYzMiJ9"
        },
        "cardPayments:settle": {
            "href": "https://try.access.worldpay.com/payments/settlements/full/eyJrIjoiazNhYjYzMiI="
        },
        "cardPayments:partialSettle": {
            "href": "https://try.access.worldpay.com/payments/settlements/partials/eyJrIjoiazNhYjYzMiI="
        },
        "cardPayments:events": {
            "href": "https://try.access.worldpay.com/payments/events/eyJrIjoiazNhYjYzMiI="
        },
        "curies": [
            {
                "name": "cardPayments",
                "href": "https://try.access.worldpay.com/rels/cardPayments/{rel}",
                "templated": true
            }
        ]
    }
}