All Loon subscribers can access the Account Updater section of the Pagos Service Panel

Card brands like Visa and Mastercard provide issuing banks with secure communication networks to assist them in distributing updated card information to merchants or payment service providers (PSPs) who vault card credentials. By leveraging these networks, your business can decrease customer checkout friction and churn, and increase overall transaction approval rates by keeping customer card information updated. Pagos has two account updater tools:

Batch Account Updater API

Request updated account details in batches from all four major card brands.

Real-Time Account Updater API

Update Visa and Mastercard credentials in real time.

To access the Account Updater section, click Account Updater under Data Enrichment in the main navigation. This section contains the following tabs:

If you operate a platform providing account updater services to select merchants, you’ll also have a Merchants tab.

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Batch

The Batch tab provides a breakdown of the batches of card credentials you’ve sent to Pagos for account updates via the Batch Account Updater API. To navigate this tab:

1

Set a date range

Use the Date Range filter in the top-right corner of the page to select the time period you want to view data for.

2

Select the Platform Merchant

If you operate a platform, use the Platform Merchant drop-down to select the merchant for whom you want to view batch account updater data.

3

Review your stats

The cards across the top of the page provide the following stats:

  • Cards Updated - The number of card credentials sent in batches to Pagos for credential updates
  • Batches Completed - The number of batches you’ve received credential updates for
  • Response Success Rate - The percentage of credentials included in your batches that received non-error response code from the networks
4

Review the Account Updater Batch Jobs table

Each row in the table represents a batch of card credentials sent for updates in the set time period, including the update status, number of credentials included in the batch, success rate of the entire batch, and card network contacted for updates. Click Add Filter to filter the table for only those batches with a specific status.

5

Select a batch to learn more

Click on a batch to open a side panel with additional details including the Batch ID and any response codes or error codes returned from the network.

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Real-Time

The Real-Time tab provides more information about the Real-Time Account Updater API calls you’ve made to update individual credentials in real time, including:

  • Cards Updated - The number of stored card credentials sent to Pagos for credential updates
  • API Calls - The number of API calls you’ve made to the Real-Time Account Updater API
  • Response Success Rate - The percentage of credentials that received non-error response code from the networks in real time

Use the Date Range filter in the top-right corner of the page to select the time period you want to view data for. If you operate a platform providing account updater services to a variety of merchants, use the Platform Merchant drop-down to select the merchant for whom you want to view batch account updater data.

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Webhooks

From the Webhooks tab, you can add and edit webhooks for Batch Account Updater job status changes. To do so:

1

Open your webhook endpoint details

In the Account Updater Webhook Endpoint box, click Edit.

2

Add the Webhook URL

Paste your endpoint URL in the text box.

3

Add a Webhook Secret Key

Add or edit your own secret key, or use the suggested secret key provided if you are creating a new webhook. Save this for validating webhooks in the future.

If you are editing an existing webhook and leave the Webhook Secret Key field empty, the already saved Webhook Secret Key will be preserved.

4

Save your changes

Click Save Webhook Endpoint.

The Event Delivery Attempts table lists the events that triggered your webhook in the set time period. Each row includes the event type, job ID associated with the batch, reason, and date created. Click Add Filter to filter the table for only those events with a specific status.

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Networks

From the Networks tab, you can view the card networks you’re configured to receive credential updates from (American Express, Discover, Visa, and Mastercard). To enable or deactivate any networks, contact your Pagos Account Manager.

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Merchants

This tab only appears for platform merchants.

The Merchants tab includes a table listing the merchants operating within your platform. Each row contains the merchant name, primary contact, and creation date. Here, you’ll also find each merchant’s Merchant ID, used to identify individual merchants in the API headers of calls to Batch Account Updater or Real-Time Account Updater.