Card Account Updater

When the partner/merchant is enrolled for the Card Account Updater, any newly created cards will be automatically enrolled for updates. When a card is updated, you will receive a webhook notification with the details

Webhook event: CARD_UPDATED

Webhook fields

Field	Type	Description
event_uid	string	Event UID
event	string	Event name - CARD_AUTOMATICALLY_UPDATED
data.token	string	PayEngine card token
data.id	string	PayEngine card unique ID
data.status	string	Values - enrolled | closed
data.type	string	Values - updated, expired, closed, no_participating, contact_cardholder_advice, unknown, opt_out, enrolled
data.enrolled_at	string	Timestamp indicating when the card was enrolled in the Card Account Updater service.
data.updated_at	string	Timestamp indicating when the last update was received.

Field definitions - data.type

Type	Definition
updated	Account number change message This event is triggered when a cardholder opens a new account with a participating issuer or when a new card is issued. For e.g. this could be due to new account creation, lost or stolen card, or when a card holder gets upgraded to Platinum or downgraded, or, due to a portfolio change (one bank to other).
expired	Expiration date change This event denotes an expiration date change event. Whenever the card expires but has the same PAN, then, a new expiration date is issued. This event is an indication that the card expired (and so a new date is issued). Typically, cards have an expiration date of 2, 3 or x years (it used to be 5 but we rarely see them these days). Sometimes, an issuer can have an expiration for 1 year (for brand new card holders as they do not have enough credit).
closed	Closed account advice This event is triggered when the issuer reports the closure of the cardholder's account i.e. cardholder's account associated with the particular card is no longer active/closed providing an important update for merchants to keep their records accurate and avoid attempting transactions with invalid or closed accounts
no_participating	Non-participating BIN This event represents a non-participating BIN event, indicating that cards linked to these BINs will not receive updates through the Account Updater service. i.e. BIN of a particular card is not participating in the Account Updater service and merchants subscribed to AU will not receive updates for cards associated with non-participating BINs.
contact_cardholder_advice	Contact cardholder advice This event indicates the issuer is letting the merchant know that something has changed and the merchant should force the customer to key enter the credential and the update will not be shared via the account updater channel for the merchant. In short the merchant must contact the cardholder for more information or clarification.
unknown	Account not found response from a participating BIN This event indicates that the card is eligible for automatic updates, but there are no match was found for this account.
opt_out	Cardholder Opt-Out Note (Stop Advice) is placed on a card This event is triggered when the cardholder chooses to opt-out of the account updater service i.e. when the cardholder does not want their account information automatically updated through the AU service. Opting out is typically a deliberate choice made by the cardholder.
enrolled	Match made, account number and expiration date unchanged This event is triggered when the network confirms that the card status remains unchanged. Match made, account number and expiration date unchanged - This event implies that the card is already enrolled for Account Updater services, confirming the card's account number and expiration date haven't changed (matched) since the last card update.

Webhook Payload Example

{
    "event_uid": "d2e9f63779ad668603a51b563ec68b6f",
    "event": "CARD_AUTOMATICALLY_UPDATED",
    "data": {
        "token": "card_sandbox_8Aq30HAc8TLFUFvTjqwo556i",
        "id": "1d15778a-64fb-459b-8c19-e8b5da0a9af9",
        "status": "enrolled", 
        "type": "updated",
        "enrolled_at": "2025-03-27T03:35:38.947Z",
        "updated_at": "2025-03-28T03:35:38.947Z"
    }
}