Account Updater

Account Updater is a feature that automatically refreshes expired or updated card details for enabled Payment Instruments, eliminating the need for manual updates and ensuring uninterrupted payment processing.

There are three main reasons why a card may need to be updated:

• New account number and or new expiration date.
• Card conversion (e.g., Costco transitioning its credit card from American Express to Visa would require an update).
• Account closed.

There are two ways to enable Account Updater:

1. Enabling Account Updater at a Payment Instrument Level : You can enable Account Updater at a Payment Instrument level. This can be particularly useful if you just want a subset of your payment instruments to be enabled for Account Updater.
2. Enabling Account Updater for all New Payment Instruments : You can choose to enable Account Updater for all new Payment Instruments.

Option 1: Enabling a Payment Instrument for Account Updater

Finix Dashboard

To enable a Payment Instrument for Account Updater:

1. Navigate to a Payment Instrument detail page
2. Find the Payment Instrument Update Section
3. Click on the Edit Button and enable

Using the Finix API

You can use the Finix API to specify Payment Instruments to be enabled for Account Updater. You can pass in account_updater_enabled field. By default, we'll return false unless you specify at an Application level to enable Account Updater.

curl  -X POST \
  -u USsRhsHYZGBPnQw8CByJyEQW:8a14c2f9-d94b-4c72-8f5c-a62908e5b30e \
  https://finix.sandbox-payments-api.com/payment_instruments \
  -H 'Accept: application/hal+json' \
  -H 'Content-Type: application/json' \
  -H 'Finix-Version: 2022-02-01' \
  -d '{
    "account_updater_enabled": true,
    "address": {
      "city": "San Francisco",
      "country": "USA",
      "line1": "900 Metro Center Blv",
      "postal_code": "94404",
      "region": "CA"
    },
    "expiration_month": 12,
    "expiration_year": 2029,
    "identity": "IDgWxBhfGYLLdkhxx2ddYf9K",
    "name": "John Smith",
    "number": "5200828282828210",
    "security_code": "022",
    "type": "PAYMENT_CARD"
  }'

Option 2: Enabling Net New Payment Instruments for Account Updater

To enable Net-new Payment Instruments for Account Updater, contact your Finix Representative or email support@finix.com. This is a setting that will make it so all new Card Payment Instruments are enabled for Account Updater.

If you would like to include all previous payment instruments for Account Updater let us know in your request.

You can see if you are enabled for Account Updater by:

1. Navigating to the Company Page on the Dashboard
2. Clicking on Payment Instrument Settings

Account Updater Logs

Viewing Instrument History Updates

When a Card is updated, we generate a [instrument_history] (docs/api/tag/Payment-Instruments/#tag/Payment-Instruments/operation/listInstrumentHistoryEntries) resource. You can see this instrument history resource on the Dashboard and via API.

Available Card Updates

If Finix generates a card update, we'll create an Instrument History resource with one of the following enums.

• NUMBER_UPDATED
• EXPIRATION_UPDATED
• NUMBER_AND_EXPIRATION_UPDATED
• CLOSED_CARD
• CONTACT_CARDHOLDER
• CONTACT_CARDHOLDER
• NO_UPDATE_FOUND
• FRAUD_REPORTED
• NO_TRANSACTIONAL_ACTIVITY
• INACTIVE_MERCHANT
• NUMBER_AND_EXPIRATION_UPDATED