Account Updater Enterprise
Basis Theory supports merchants who leverage card-on-file transactions or subscription billing models by allowing payment card data to be collected and securely vaulted for future transactions. However, vaulted card details can become outdated when cards are re-issued due to card expiration, account closures, lost or stolen cards, or fraud prevention. This can result in failed transactions and billing disruptions, leading to involuntary customer churn or lost revenue. Account Updater enables you to keep vaulted card tokens up to date with the latest information from the card networks, improving transaction success rates.
Each request to update a batch of cards is referred to as an Account Updater Job. Job requests and results are transmitted using CSV-formatted flat files containing Basis Theory tokens. Jobs are submitted in a 2-step process - first, create an account updater job and receive an upload URL in the response, then upload your request CSV file directly through the upload URL. Once all updates have been received from the card networks and the job has been completed, you will receive a webhook reporting the overall job status. If successful, the job's result details can be downloaded in CSV format, which you can use to update token id references in your system.
Basis Theory currently supports updating card tokens against the Visa, Mastercard, American Express, and Discover networks.
Create Account Updater Job
Creates an Account Updater Job to update a batch of card tokens. Responds with an Account Updater Job including an upload_url to submit a request CSV file for processing.
Permissions
account-updater:job:create
Expiration
You have one hour to upload a request file, at which time the job and upload url will expire and the job will be removed. Attempting to retrieve an expired job will result in a 404 status code. If a job expires, simply start the process again by creating a new job.
Request
- cURL
curl "https://api.basistheory.com/account-updater/jobs" \
-X POST \
-H 'Content-Type: application/json' \
-H 'BT-API-KEY: ...'
Response
{
"id": "93f3da5e-7887-408c-88ed-b10a5fdb423a",
"tenant_id": "9a63ab82-1d11-59a0-93ab-4e1ec98b9fdd",
"status": "pending",
"created_by": "2c8f4156-4ac6-5e71-9e03-8811fd6bc514",
"created_at": "2024-04-09T13:56:37.864Z",
"expires_at": "2024-04-09T14:56:37.864Z",
"upload_url": "https://bt-prod-us-east-2-account-updater-data.s3.us-east-2.amazonaws.com/..."
}
Upload Request File
Once you have created a Request CSV File, you can use the upload_url for the Job to submit your file for processing. You can use the upload_url to upload your file using any usage patterns supported by S3 pre-signed URLs.
- cURL
- JavaScript
curl -X PUT -T "/local/path/to/file" "https://bt-prod-us-east-2-account-updater-data.s3.us-east-2.amazonaws.com/..."
const fileName = `.data/${jobId}/request.csv`; // create your csv request file here
const fileStats = fs.statSync(fileName);
const response = await fetch(uploadUrl, {
method: 'PUT',
headers: {
'Content-Type': 'text/csv',
'Content-Length': fileStats.size,
},
body: fs.createReadStream(fileName),
duplex: 'half',
});
Get Account Updater Job
Retrieves an Account Updater Job. This endpoint can be used to poll for job failure or completion if webhook callbacks are not desired.
Permissions
account-updater:job:read
Request
- cURL
curl "https://api.basistheory.com/account-updater/jobs/93f3da5e-7887-408c-88ed-b10a5fdb423a" \
-H 'BT-API-KEY: ...'
Response
{
"id": "93f3da5e-7887-408c-88ed-b10a5fdb423a",
"tenant_id": "9a63ab82-1d11-59a0-93ab-4e1ec98b9fdd",
"status": "pending",
"created_by": "2c8f4156-4ac6-5e71-9e03-8811fd6bc514",
"created_at": "2024-04-09T13:56:37.864Z",
"expires_at": "2024-04-09T14:56:37.864Z",
"upload_url": "https://bt-prod-us-east-2-account-updater-data.s3.us-east-2.amazonaws.com/..."
}
List Account Updater Jobs
Return a list of all Account Updater Jobs created for the tenant.
Permissions
account-updater:job:read
Request
- cURL
curl "https://api.basistheory.com/account-updater/jobs" \
-H 'BT-API-KEY: ...'
Sort Order
This endpoint returns newest jobs first.
Query Params
| Param | Description |
|---|---|
size | The maximum number of jobs to return in the response. Defaults to 20. |
start | The cursor at which the result set should start. This is the value of the next cursor returned in the previous response. |
Response
{
"pagination": {
"page_size": 20,
"next": "Q1JFQVRFRF9BVCMyMDI0LTA0LTI1VDE2OjU4OjA3LjgyMVo="
},
"data": [
{
"id": "93f3da5e-7887-408c-88ed-b10a5fdb423a",
"tenant_id": "9a63ab82-1d11-59a0-93ab-4e1ec98b9fdd",
"status": "pending",
"created_by": "2c8f4156-4ac6-5e71-9e03-8811fd6bc514",
"created_at": "2024-04-09T13:56:37.864Z",
"expires_at": "2024-04-09T14:56:37.864Z",
"upload_url": "https://bt-prod-us-east-2-account-updater-data.s3.us-east-2.amazonaws.com/..."
},
...
]
}
Account Updater Job Webhook
Configure a webhook to retrieve notifications for job status changes. You are able to subscribe to webhooks for both account-updater.job.created, account-updater.job.completed, or account-updater.job.failed.
Webhook Payload
{
"id": "e99b3bb9-25e4-484f-8a6d-6bc28edbbf39",
"type": "token.created",
"timestamp": "2024-04-09T13:56:37.864Z",
"tenant_id": "869d5b1c-1ae8-4ce6-96c6-73a602b407ff",
"trace_id": "0f777425-9080-4d82-b557-799f43aefcba",
"data": {
...
}
}
Webhook Types
account-updater.job.createdaccount-updater.job.completedaccount-updater.job.failed
Download Result File
Once a job is in the completed status, you can use the download_url returned when retrieving a job to download the Result File.
- cURL
- Javascript
curl -o "output-file-name" "https://bt-prod-us-east-2-account-updater-data.s3.us-east-2.amazonaws.com/..."
await axios.get("https://bt-prod-us-east-2-account-updater-data.s3.us-east-2.amazonaws.com/...", { responseType: 'stream' })
.then(response => {
// Create a write stream to save the file
const writer = fs.createWriteStream("completed.csv");
// Pipe the response stream into the write stream
response.data.pipe(writer);
// Return a promise that resolves when the file has been downloaded
return new Promise((resolve, reject) => {
writer.on('finish', resolve);
writer.on('error', reject);
});
})
File Format Specifications
Request File Format
Account Updater request CSV files must use the following format:
token,expiration_year,expiration_month,merchant_id
d2cbc1b4-5c3a-45a3-9ee2-392a1c475ab4,,,1234
f32bc1b4-5c3a-45a3-9ee2-392a1c475d53,30,02,1234
Properties
| Property | Definition | Required |
|---|---|---|
token | A card token to be updated. The expiration date in this token is optional, and if present, will be sent to the networks when requesting updates. | true |
expiration_year | The 2-digit expiration year of the account number. This is not required if the card token has expiration_year stored. | false |
expiration_month | The 2-digit expiration month of the account number. This is not required if the card token has expiration_month stored. | false |
merchant_id | The merchant identifier (provided by Basis Theory) under which this update request is submitted | true |
Result File Format
The result file is used to communicate any tokens created as a result of an updated account number or expiration date. This file only includes rows that resulted in a successful update, a warning, or an error (see Result Codes for details). Rows that did not result in any updates are omitted from the result file.
Account Updater result CSV files will use the following format:
token,expiration_year,expiration_month,new_token,new_expiration_year,new_expiration_month,result_code
d2cbc1b4-5c3a-45a3-9ee2-392a1c475ab4,,,b2cbc1b4-5c3a-45a3-9ee2-392a1c475ab4,,,UPD_PAN
f32bc1b4-5c3a-45a3-9ee2-392a1c475d53,30,02,,,,WRN_CLOSED_ACCOUNT
Properties
| Property | Definition | Always Returned |
|---|---|---|
token | The card token to be updated, as sent in the request file | true |
expiration_month | The expiration_month that was sent in the request file. | false |
expiration_year | The expiration year that was originally sent. | false |
new_token | The new card token created with updated card details. Update any references to this token in your systems. | false (only on successful update) |
new_expiration_month | The new expiration month returned from the update. | false |
new_expiration_year | The new expiration year returned from the update. | false |
result_code | Code summarizing the processing status of the row. See Result Codes below for details. | true |
Result Codes
Code Prefixes
| Prefix | Description |
|---|---|
UPD | A update was received from the network; update your records with the updated token. |
WRN | The token was correctly processed, although it did not result in an update. Action is potentially required. |
ERR | An error occurred while processing the file or token, requiring action. |
Result Codes
| Result Code | Description | Action |
|---|---|---|
UPD_PAN | The issuer updated the account number, or account number and expiration date. | A new token has been created. Update your records. |
UPD_EXP_DATE | The issuer updated the expiration date. | A new token has been created. Update your records. |
UPD_BRAND_CONV | The card brand has changed but the issuer remains the same. The account number or expiration may or may not be changed. | If a new token has been created, update your records. |
UPD_CORRECTED | The issuer corrected a previous update. | A new token has been created. Update your records. |
WRN_CLOSED_ACCOUNT | The issuer closed the account holder’s account. | Exclude the token from future account updater requests. |
WRN_CONTACT_CARDHOLDER | The merchant should contact the account holder for additional information on the account. | No Update - Reach out |
WRN_ISSUER_NOT_ENROLLED | The issuer for the requested card number does not participate in the Account Updater program. | No update - consider removing this token from future requests. |
WRN_ISSUER_NO_DATA | The issuer provided no information regarding the specific card number requested. | No update - consider removing this token from future requests. |
WRN_OPT_OUT | The cardholder has opted out of the account updater service. | No update - consider removing this token from future requests. |
ERR_UNDEFINED | Undefined error. | Contact support. |
ERR_INVALID_PAN | The card number is invalid. | Check that this token contains a valid card number for one of the supported networks (Visa, Mastercard, American Express, or Discover). Omit from future requests. |
ERR_INVALID_TOKEN | Token not found. | Check that the token is of type card and that the token exists in this tenant. |
ERR_INVALID_EXP_DATE | The expiration date was invalid. | Check expiration month and year exist on the token or in the row's expiration_month and expiration_year fields |
ERR_INVALID_CONFIG | Invalid Account Updater configuration. | Verify that the merchant_id matches the one given to you during onboarding. If your merchant_id matches, contact support. |
Test Cards
The following cards can be used to test the Result Codes.
| PAN | Exp. Month | Exp. Year | Result Code |
|---|---|---|---|
4111111111111111 | 12 | 2023 | UPD_PAN |
6011690151507086 | 12 | 2023 | UPD_EXP_DATE |
6011760519541711 | 12 | 2023 | UPD_BRAND_CONV |
6011490740263725 | 12 | 2023 | UPD_CORRECTED |
5461310156953048 | 12 | 2023 | WRN_CLOSED_ACCOUNT |
4929980395567582 | 12 | 2023 | WRN_CONTACT_CARDHOLDER |
4916725297925395 | 12 | 2023 | WRN_ISSUER_NO_DATA |
5580422612666704 | 12 | 2023 | WRN_ISSUER_NOT_ENROLLED |
4035501000000008 | 12 | 2023 | WRN_OPT_OUT |
6011178332216017 | 12 | 2023 | ERR_UNDEFINED |
6011648103759866 | 12 | 2023 | ERR_INVALID_EXP_DATE |
378025849667382 | 12 | 2023 | ERR_INVALID_PAN |
370000000000002 | 12 | 2023 | ERR_INVALID_CONFIG |
4711358892785746 | 12 | 2023 | (No change and not returned in file) |
Code Sample to generate test cards
#You will need an API Key with `token:create`
curl --location 'api.flock-dev.com/tokenize' \
--header 'Content-Type: application/json' \
--header 'Accept: application/json' \
--header 'BT-API-KEY: <BT API KEY>' \
--data '[
{
"type": "card",
"data": {
"number": 4111111111111111,
"expiration_month": "12",
"expiration_year": "2023"
}
},
{
"type": "card",
"data": {
"number": 6011690151507086,
"expiration_month": "12",
"expiration_year": "2023"
}
},
{
"type": "card",
"data": {
"number": 6011760519541711,
"expiration_month": "12",
"expiration_year": "2023"
}
},
{
"type": "card",
"data": {
"number": 6011490740263725,
"expiration_month": "12",
"expiration_year": "2023"
}
},
{
"type": "card",
"data": {
"number": 5461310156953048,
"expiration_month": "12",
"expiration_year": "2023"
}
},
{
"type": "card",
"data": {
"number": 4929980395567582,
"expiration_month": "12",
"expiration_year": "2023"
}
},
{
"type": "card",
"data": {
"number": 4916725297925395,
"expiration_month": "12",
"expiration_year": "2023"
}
},
{
"type": "card",
"data": {
"number": 5580422612666704,
"expiration_month": "12",
"expiration_year": "2023"
}
},
{
"type": "card",
"data": {
"number": 4035501000000008,
"expiration_month": "12",
"expiration_year": "2023"
}
},
{
"type": "card",
"data": {
"number": 4711358892785746,
"expiration_month": "12",
"expiration_year": "2023"
}
},
{
"type": "card",
"data": {
"number": 6011178332216017,
"expiration_month": "12",
"expiration_year": "2023"
}
},
{
"type": "card",
"data": {
"number": 6011648103759866,
"expiration_month": "12",
"expiration_year": "2023"
}
},
{
"type": "card",
"data": {
"number": 378025849667382,
"expiration_month": "12",
"expiration_year": "2023"
}
},
{
"type": "card",
"data": {
"number": 370000000000002,
"expiration_month": "12",
"expiration_year": "2023"
}
}
]
'
Resources
Account Updater Job
| Property | Type | Description |
|---|---|---|
id | string | Identifier for the account updater job |
tenant_id | uuid | The tenant this job is associated with |
status | string | The job status, values include: failed, completed, pending, processing |
expires_at | datetime | Time the upload URL will expire. This property is only returned while the job is in the pending status. |
created_by | uuid | The id of the application used to create the job |
created_at | datetime | Timestamp when this job was created |
upload_url | string | The URL to which the Request File should be uploaded. This will only be returned when the job is in the pending status. |
errors | array<string> | An array of error messages encountered when attempting to process the job |
download_url | string | The URL to download the Result File. This will only be returned when the job is in the completed status. |