Account updater

In a perfect world, anytime a cardholder is issued a new card by their issuing bank - for example, ahead of the expiration of their current card or after it is reported lost or stolen - they would log into all of their merchant accounts where they have a subscription and update their card details ahead of the next billing cycle. Unsurprisingly though, this doesn’t always happen and the Account Updater solution allows merchants to get access to updated card information in real-time to increase approval rates.

PPRO supports Real Time Account Updater for Visa & Mastercard, with connections to both major card schemes' proprietary solutions. This Account Updater solution will check for the latest card information immediately following a 'lifecycle' decline (eg. expired, lost or stolen card). If updated details are found, the authorisation will be retried immediately and the response of the final authorisation attempt is the one returned to you.

Following a successful Account Update, PPRO will update the relevant Payment Instrument and, if configured, a PAYMENT_INSTRUMENT_DETAILS_UPDATED webhook will be sent to inform you of the change (see here). The new card details can otherwise be retrieved via a GET Payment Instrument call (see here).

To enable Account Updater, please reach out to your Account Manager. There is no integration effort required to benefit from this feature and no changes in the requests you send to PPRO.

Real Time Account Updater flow

You send a Payment Charge creation or Payment Instrument validation request to PPRO using a RAW_CARD or CARD_PPRO_VAULTED Payment Instrument, which is declined for lifecycle reasons (eg. the card has expired).
PPRO will immediately check for a updated card information.
If updated card information is found, PPRO will:
1. Update the Payment Instrument with the new details, triggering a PAYMENT_INSTRUMENT_DETAILS_UPDATED webhook (if configured)
2. Retry the authorisation using updated card details.
The response from the final authorisation attempt will be returned to you.

Webhooks

When new card information is retrieved via the Account Updater, PPRO will update your Payment Instrument with these details. Webhooks can be configured to notify you of this update.

Below is an example payload for a webhook following a successful Account Update:

{
    "specversion": "1.0.2",
    "source": "global-payment-gateway/0.0.0",
    "datacontenttype": "application/json",
    "id": "e8aifYespOA2ZHXQ1zR7O",
    "type": "PAYMENT_INSTRUMENT_DETAILS_UPDATED",
    "subject": "PAYMENT_INSTRUMENT_DETAILS_UPDATED",
    "time": "2025-05-26T07:31:47.767Z",
    "data": {
      "paymentInstrumentId": "instr_FlTZQyHL4DeUYLYtXmOdq",
      "updateTimestamp": "2025-05-26T07:31:47.123Z",
      "details": {
        "type": "CARD_PPRO_VAULTED",
        "details": {
          "brand": "VISA",
          "bin": "444444",
          "last4Digits": "1234",
          "expiryMonth": 1,
          "expiryYear": 2030,
          "holderName": "John Doe",
          "panAlias": "ppro_tkn_06cf6d1",
          "isCvvPresent": false
        }
      }
    }
  }

You can find more information on webhooks here.