Real-Time Account Updater Update Codes - Pagos

Pagos’ Account Updater tools standardize the response codes from each card brand’s account updater service. The following tables break down how we map card brand response codes into the Account Updater Update Codes and Error Codes. These codes are the same for both Batch and Real-Time Account Updater.

Before you use an updated PAN or expiry in an authorization, review our tips on how to handle updated credentials.

Response Codes

Account Updater Code	Short Code	Description	Recommended Action
LNR	NO RESPONSE	No updates are available for the account, or if the file contains multiple card brands, one of the brands hasn’t responded yet	If the file is over seven days old and contains all LNRs, resubmit the file. Otherwise, resubmit the card the next time you use it to check for normal updates.
LAE	ACCOUNT NUMBER OR ACCOUNT NUMBER AND EXPIRATION DATE CHANGE	The account number, or account number and expiration date are updated.	Update your systems with the new values. Keep in mind, if the PAN changed, don’t send the customer’s original CVV with the new card.
LCA	CLOSED ACCOUNT ADVICE	The issuer closed the cardholder’s account.	Update your systems that the account is no longer valid and don’t attempt to use it for subsequent transactions.
LED	EXPIRATION DATE CHANGE	The issuer updated the expiration date.	Update your systems with the new expiry. If an authorization with the new expiry declines, retry with the original. If the new expiry is 12/2099, keep the original; that date is a placeholder.
LCC	CONTACT CARDHOLDER ADVICE	Additional information required on the account.	The merchant should contact the cardholder for additional information on the account
LNB	NON PARTICIPATING BIN	The issuer of the card does not participate in the account updater program for the given BIN.	No action at this time. You can resubmit the account number in the future, as the issuer may participate in the account updater program at a later time.
LNM	PARTICIPATING BIN NO MATCH	The issuer of the card participates in the account updater program for the given BIN, but there is no information provided by the issuer regarding the specific card account number requested.	No action at this time. You can resubmit the account number in the future.
LNC	NO CHANGE	The account number and expiration date are unchanged.	No action required.
LCO	CARD HOLDER OPT-OUT	The cardholder opted out of the account updater service.	Update your systems so you don’t attempt to resubmit this card in the future.
LBC	BRAND CONVERSION	(Discover-only) The card brand has been changed but the issuer remains the same. Generally, the account number and expiration date stay the same, but could change.	If the account number or expiration date changed, update your systems with the new values.
LCP	CORRECTED PREVIOUS UPDATE	The issuer corrected a previous update	Update your systems with the new values

Error Codes

Account Updater Code	Short Code	Description	Recommended Action
LE01	UNDEFINED ERROR	Undefined error from the card brand.	Contact your Pagos Account Manager.
LE02	ACCOUNT NUMBER INVALID	The account number is not a valid PAN or is not a valid card for the given card brand.	Review and update the data.
LE03	ACCOUNT NUMBER FORMAT INVALID	The account number isn’t in the proper format.	Review and update the data.
LE04	EXPIRATION DATE INVALID	The expiration date isn’t in the proper format.	Review and update the data.
LE05	MERCHANT NOT REGISTERED	The merchant isn’t registered with the card brand(s) for the account updater service.	Contact your Pagos Account Manager.
LE06	SUB-MERCHANT NOT REGISTERED	The sub-merchant isn’t registered with the card brand(s) for the account updater service.	Contact your Pagos Account Manager.