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What is Account Updater?

Account Updater is a service that automatically updates stored credit card information when cards are:
  • Replaced: Customer gets a new card (lost, stolen, expired)
  • Expired: Card expiration date changes
  • Updated: Bank changes card details
Why it’s useful:
  • Reduces failed payments: Cards stay current even when customers don’t update them
  • Better for subscriptions: Recurring payments continue working
  • Less customer friction: Customers don’t need to manually update expired cards
  • Higher success rates: More payments go through successfully
How it works: When you process a payment, the processor checks with the card network to see if the card has been updated. If it has, Revolv3 automatically updates your stored payment method with the new information.

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When Account Updater Runs

Account Updater checks for updates:
  • During payment processing: When you charge a stored payment method
  • Automatically: Revolv3 handles it—you don’t need to do anything
  • Periodically: Processors check with card networks for updates
You’ll know an update happened when you see accountUpdateMessage and accountUpdateDateTime in the payment response.

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Understanding Account Update Notifications

When Account Updater updates a card, you’ll see additional fields in the payment response: 
{
  "customerId": null,
  "invoiceId": 185317,
  "merchantInvoiceRefId": "ABC309500654810",
  "networkTransactionId": "538302743384089",
  "invoiceStatus": "Paid",
  "invoiceAttemptStatus": "Success",
  "message": "Approved",
  "amount": {
    "currency": "USD",
    "value": 1.03
  },
  "paymentMethodId": 6061,
  "paymentMethodTypeId": 1,
  "paymentProcessor": "WorldPay",
  "paymentMethodCreditCardDetails": {
    "binNumber": "444433",
    "paymentLast4Digit": "1111",
    "paymentExpirationDate": "1130",  // Updated expiration date
    "accountUpdateMessage": "NEW_EXPIRY",  // Indicates what was updated
    "accountUpdateDateTime": "2025-10-30T11:46:33"  // When it was updated
  }
}

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WorldPay Account Updater Response Codes

If you’re using WorldPay, you may also see response codes with account update notifications:
CodeResponse MessageWhat It MeansRecommendation
500The account number was changedCard number was updatedUse the new account number from the response
501The account was closedAccount is closedContact customer to collect new payment details
502The expiration date was changedExpiration date updatedUpdate stored expiration date (Revolv3 does this automatically)
504Contact the cardholder for updated informationBank requires contacting customerPrompt customer to provide updated payment details
507Cardholder has opted out of the update program
Reference: WorldPay Account Updater Documentation

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How to Handle Account Updates

Revolv3 handles updates automatically—you don’t need to do anything special. When Account Updater updates a card:
  • Revolv3 updates the stored payment method
  • Future payments use the updated information
  • You’re notified via accountUpdateMessage in the response
What you should do:
  • Log the update: Store accountUpdateMessage and accountUpdateDateTime for your records
  • Notify customer (optional): Let them know their card was updated automatically
  • Handle special cases: Contact the customer

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Real-World Scenarios

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Scenario 1: Card Expiration Updated

What happens:
  1. Customer’s card expires (old: 03/25, new: 03/26)
  2. You charge the stored payment method
  3. Account Updater detects the new expiration
  4. Revolv3 updates the stored payment method automatically
  5. Payment succeeds with the updated expiration
Response shows: 
{
  "accountUpdateMessage": "NEW_EXPIRY",
  "accountUpdateDateTime": "2025-10-30T11:46:33",
  "paymentExpirationDate": "0326"  // Updated date
}
What you do: Revolv3 handled it. Just log it for your records.

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Scenario 2: Card Replaced

What happens:
  1. Customer’s card was lost/stolen and replaced
  2. New card has a new number
  3. Account Updater detects the change
  4. Revolv3 updates the stored payment method
Response shows: 
{
  "accountUpdateMessage": "UPDATE",
  "paymentLast4Digit": "2222"  // New last 4 digits
}
What you do:
  • Log the update
  • Optionally notify customer that their card was updated
  • Future payments will use the new card automatically

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Scenario 3: Account Closed

What happens:
  1. Customer closed their account with the bank
  2. Account Updater detects it
  3. Payment may fail or be declined
Response shows: 
{
  "accountUpdateMessage": "CLOSED"
}
What you do:
  • Contact the customer
  • Ask for a new payment method
  • Update your records
  • For subscriptions, pause until customer updates

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Best Practices

  1. Monitor account updates: Log accountUpdateMessage to track when cards are updated
  2. Handle closed accounts
  3. Notify customers: Optionally notify customers when their card is automatically updated
  4. Keep records: Store update timestamps for auditing
  5. Note: Most updates are automatic and don’t require action

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Processor Support

Account Updater is supported by:
  • WorldPay: Full support with detailed response codes
  • Other processors: Support varies—check with Revolv3
In sandbox: Account Updater is only supported by WorldPay. Other processors may not show account updates in sandbox.

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Common Questions

Q: Do I need to do anything when a card is updated? A: Usually no—Revolv3 handles it automatically. Just log the update for your records. Q: What if the account is closed? A: Contact the customer to get a new payment method. The old one won’t work anymore. Q: How often does Account Updater check? A: It checks during payment processing. There’s no separate “check” you need to run. Q: Can I disable Account Updater? A: It’s automatic and beneficial—there’s usually no reason to disable it. Contact Revolv3 if you have specific concerns. Q: What if I don’t see account update messages? A: Either no update was needed, or your processor doesn’t support Account Updater. Check with Revolv3.

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Next Steps