When details change on a card linked to Moov, such as the card number or the expiration date, Moov’s card account updater service will automatically update the information on your behalf.
Automatic card updates reduce declines by providing uninterrupted service. You’ll no longer need to contact cardholders to obtain updated information, which reduces costs, increases approvals, and strengthens customer relationships.
cardOnFile was set to true during the card linking and verification process, the card will be stored and opted in to automatic updates from the issuer.
merchantAccountID is also set during card linking and verification, and specifies two things:
- The merchant that is authorized to store card details
- The merchant that will be billed for updates
cardOnFile is set to false, and
merchantAccountID is set to your platform’s account ID. To update a linked card’s
cardOnFile and opt-in to automatic updates from the issuer, you can use the card
The card networks will communicate the following types of updates:
|A new account number has been provided, or a new account number and expiration date has been provided
|PAN is updated with new record
|A new expiration date has been provided
|Expiration is updated with new record
|A match was found, but the account information on file may not be current
|Merchant should contact cardholder
|The account is closed (possibly due to permanent closure or fraud )
|Merchant should 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.
An event is fired when there’s an update to any of the following card details:
card.autoUpdated webhook, which will respond with the following event payload:
If you’d like to learn more about webhooks, view the webhooks guide.