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Card account updater

The card account updater applies issuer updates, such as a new card number or expiration date, to linked cards automatically, so saved cards keep working without asking the cardholder for new details.
Accounts must be approved for the card account updater. Contact Moov to enable it.

Opt a card in to automatic updates

A card receives updates only when cardOnFile is true. The merchantAccountID on the card sets which merchant the cardholder authorized to store the card, and which account is billed for updates. It defaults to your partner account ID.

  • New cards: set cardOnFile (and optionally merchantAccountID) when you link the card. See save a card for future use.
  • Existing cards: set cardOnFile to true or change merchantAccountID with the update card PATCH endpoint.

By default, cardOnFile is false, and the card doesn't receive updates.

View updated card details

The card networks will communicate the following types of updates:

Update type Description Action
number-update A new account number has been provided, or a new account number and expiration date has been provided PAN is updated with new record
expiration-update A new expiration date has been provided Expiration is updated with new record
contact-cardholder A match was found, but the account information on file may not be current Contact cardholder
account-closed The account is closed (possibly due to permanent closure or fraud ) Disable card

You can view the last update to the card by using the card GET endpoint. In the response, you'll receive the last update type and the date the details were updated on.

{
  "cardID": "ec7e1848-dc80-4ab0-8827-dd7fc0737b43",
  "cardAccountUpdater": {
    "updateType": "number-update",
    "updatedOn": "datetime"
  }
}

Get notified of updates

Subscribe to the card.autoUpdated webhook to be notified of every update type in the table above.

Next steps