# Account Updater

Account Updater is a feature that automatically refreshes expired or updated card details for enabled Payment Instruments, eliminating the need for manual updates and ensuring uninterrupted payment processing.

There are three main reasons why a card may need to be updated:

1. New account number
2. New expiration date
3. Account closed


There are two ways to enable Account Updater:

1. **Enabling Account Updater for All New Payment Instruments of Type `PAYMENT_CARD`**: You can choose to enable Account Updater for all new cards. This ensures that all of your cards will always be up-to-date.
2. **Enabling Account Updater for an Individual Payment Instrument of Type `PAYMENT_CARD`**: You can enable Account Updater at an individual card level. This can be particularly useful if you just want a subset of your payment instruments to be enabled for Account Updater.


## Option 1: Enabling Account Updater for All New Payment Instruments

To enable all new Payment Instruments for Account Updater, contact your Finix Representative or email [support@finix.com](mailto:support@finix.com). This is a setting that will make it so all new Card Payment Instruments of type PAYMENT_CARD are enabled for Account Updater.

If you would like to include all previously created cards for Account Updater, please let us know in your request.

You can see if you are enabled for Account Updater by:

1. Navigating to the Company Page on the Dashboard
2. Clicking on Payment Instrument Settings


![Company Payment Instrument Settings](/assets/account-updater-application-payment-instrument.237f5112e5d688d73830c716b5218f0dd0d2c250d5fe7a473d6760ab2069d4f3.08ff7529.svg)

## Option 2: Enabling Account Updater for an Individual Payment Instrument

### Finix Dashboard

To enable a Payment Instrument for Account Updater:

1. Navigate to a Payment Instrument detail page
2. Find the Settings section
3. Click on the Edit Button and enable


![Payment Instrument Detail](/assets/account-updater-payment-instrument-detail.a3b825132ee96ce120990dc95cfcbd1ac88b9c4a3f49d74c08aa07aeb4697eae.08ff7529.png)

### Using the Finix API

You can use the Finix API to specify Payment Instruments to be enabled for Account Updater. You can pass in `account_updater_enabled` field. By default, we'll return false unless you enable `account_updater_enabled` at an Application level.


```shell Create Payment Instrument
curl -X POST \
    -u USsRhsHYZGBPnQw8CByJyEQW:8a14c2f9-d94b-4c72-8f5c-a62908e5b30e \
    https://finix.sandbox-payments-api.com/payment_instruments \
    -H 'Accept: application/hal+json' \
    -H 'Content-Type: application/json' \
    -H 'Finix-Version: 2022-02-01' \
    -d '{
        "account_updater_enabled": true,
        "address": {
            "city": "San Francisco",
            "country": "USA",
            "line1": "900 Metro Center Blv",
            "postal_code": "94404",
            "region": "CA"
        },
        "expiration_month": 12,
        "expiration_year": 2029,
        "identity": "IDgWxBhfGYLLdkhxx2ddYf9K",
        "name": "John Smith",
        "number": "5200828282828210",
        "security_code": "022",
        "type": "PAYMENT_CARD"
    }'
```

## Account Updater Logs

### Viewing Instrument History Updates

When a Card is updated, we generate a [instrument_history](/api/payment-instruments/listinstrumenthistoryentries) resource. You can see this instrument history resource on the Dashboard and via API.

![Company Payment Instrument Settings](/assets/account-updater-logs.4b956bb80696b92aecee6fe9ba870d9a01da83086b242ba30fc89915130f99a8.08ff7529.svg)

### Available Card Updates

If Finix generates a card update, we'll create an Instrument History resource with one of the following enumerators. You can expect card update results within two to seven days, depending on how quickly the Issuing bank delivers the new card information to Finix.

| Enumerator | Description |
|  --- | --- |
| `CLOSED_CARD` | The cardholder's card has been closed. |
| `CONTACT_CARDHOLDER` | The cardholder has opted out of Account Updater service with their bank. |
| `EXPIRATION_UPDATED` | The expiration date has been updated. |
| `FRAUD_REPORTED` | The cardholder has reported fraud with the Merchant who is requesting an update. This only applies to American Express. |
| `INACTIVE_MERCHANT` | The Merchant has not been onboarded successfully. This only applies to American Express. |
| `NO_TRANSACTIONAL_ACTIVITY` | Requires the card to have at least one transaction associated to the Application before returning updates. This only applies to American Express. |
| `NOT_FOUND` | Card’s Issuing Bank does not participate in Account Updater. This enumerator will only be returned once. |
| `NUMBER_AND_EXPIRATION_UPDATED` | Both the expiration date and card number have been updated. |
| `NUMBER_UPDATED` | The card number has been updated. |