# 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if you attempt subsequent Customer Initiated Transactions (CITs) or Merchant Initiated Transactions (MITs) using outdated credentials.

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.

## How to enable

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 only supply `requestAccountUpdater` where `customerAgreement.storedCardUsage` is set to `subsequent` for either CITs or MITs.

### requestAccountUpdater object (Required)


```
"instruction": {
    "paymentInstrument": {
        "type": "card/plain",
        "cardNumber": "4444333322221111",
        "expiryDate": {
            "month": 5,
            "year": 2035
        }
    },
    "customerAgreement":{
        "type": "cardOnFile",
        "storedCardUsage": "subsequent"
    },
    "requestAccountUpdater": true,
    ....
}
```

## Outcome details

card/plain

```
...
"updatedPaymentInstrument": {
    "type": "card/plain",
    "cardNumber": "8888777766665555",
    "expiryDate": {
        "month": 9,
        "year": 2031
    },
    "cardBrand": "visa",
    "fundingType": "credit",
    "accountUpdaterMessage": "The account number was changed"
},
...
```

card/plain+masked

```
...
"updatedPaymentInstrument": {
    "type": "card/plain+masked",
    "cardBin": "888877",
    "lastFour": "5555",
    "expiryDate": {
        "month": 9,
        "year": 2031
    },
    "cardBrand": "visa",
    "fundingType": "credit",
    "accountUpdaterMessage": "The account number was changed"
},
...
```

### Schema