The Loon API standardizes the response codes from each card brand's account updater service.
Scroll horizontally to view all columns in the table below.
|Loon Code||Short Code||Billable (Y/N)*||Visa Service Identifier||Mastercard Reason Identifier||Mastercard Response Indicator||Discover Reason Code||Amex Decision Indicator||Description|
|LNR||NO RESPONSE||N||Fallback||Fallback||Fallback||Fallback||Fallback||No updates are available for the account. Network didn't respond.|
|LAE||ACCOUNT NUMBER OR ACCOUNT NUMBER AND EXPIRATION DATE CHANGE||Y||A||UPDATE||A||CC, CB||The account number, or account number and expiration date are updated.|
|LCA||CLOSED ACCOUNT ADVICE||Y||C||CONTAC||C||XC||The issuer closed the cardholder’s account.|
|LED||EXPIRATION DATE CHANGE||Y||E||EXPIRY||E||CE||The issuer updated the expiration date.|
|LCC||CONTACT CARDHOLDER ADVICE||Y||Q||Q||The merchant should contact the cardholder for additional information on the account.|
|LNB||NON PARTICIPATING BIN||N||N||UNKNWN||N||The Issuer BIN for the card account number requested does not participate in the Account Updater program, hence there is no information provided by the issuer regarding the specific card account number requested.|
|LNM||PARTICIPATING BIN NO MATCH||N||P||UNKNWN||P||The Issuer BIN for the card account number requested participates in the Account Updater program, but there is no information provided by the issuer regarding the specific card account number requested.|
|LNC||NO CHANGE||N||V||VALID||V||The account number and expiration date are unchanged.|
|LCO||CARD HOLDER OPT-OUT||Y||O||The cardholder opted out.|
|LBC||BRAND CONVERSION||Y||B||The card brand has been changed. The updates reported as Brand Conversions by Issuers will be reported to Acquirers and Merchants as Account Number Change|
|LCP||CORRECTED PREVIOUS UPDATE||Y||O||The issuer corrected a previous update|
*Note on Billable (Y/N) value
Billable status is subject to change pending any changes the card brands make to their billing strategies. Reach out to your Pagos account manager with any questions.