PPRO provides real time account updates for Visa & Mastercard, with connections to both major card schemes' proprietary solutions. The solution checks for the latest card information immediately after a lifecycle decline (for example, an expired, lost, or stolen card). When updated details are available, the authorisation is retried instantly, and the result of the final authorisation attempt is returned.

After a successful update, PPRO automatically refreshes the relevant payment instrument. If configured, a PAYMENT_INSTRUMENT_DETAILS_UPDATED webhook notifies you of the change. Updated card details can also be retrieved using a GET Payment Instrument call.

To activate account updater, contact your Account Manager. No integration work or request changes are required to use this feature.

Real time account updater flow

1. Send a Payment Charge creation or Payment Instrument validation request using a RAW_CARD or CARD_PPRO_VAULTED Payment Instrument, which is declined for lifecycle reasons (eg. the card has expired).
2. PPRO will immediately check for updated card information.
3. 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.
4. The response from the final authorisation attempt will be returned to you.