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Pagos provides two options for account updater:

Batch Account Updater API

Request updated card details in batches to keep your vault up to date.

Real-Time Account Updater API

Update card details in real time during checkout to boost approval rates.

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Tips for Handling Updated Credentials Carefully

Account Updater updates attach to the card, not the transaction. As a result, Pagos Account Updater—both Real-Time and Batch—works for both customer-initiated and merchant-initiated payments, and for card-on-file or keyed cards. A few behaviors matter when you feed updated credential details back into authorizations or tokenization:
  • If Pagos Account Updater returns a new PAN, drop the customer’s CVV from the authorization. The CVV belongs to the old card.
  • An updated expiry doesn’t always mean a new card. Networks sometimes return a stale expiry or correct one a customer mistyped. If the authorization with the updated expiry declines, retry with the original.
  • An expiry of 12/2099 is an industry placeholder, not a real date. Keep the customer’s original expiry.
  • Old credentials can keep working after a card is replaced. Only an authorization can confirm if the old credentials will still work; it’s up to the issuer on which credentials they will accept.