Account Updater Responses

Interpret token update statuses and determine whether to authorize a stored payment method.

Account Updater returns token-update-status through the Tokens API. A token-based authorization response can also include this field.

Retrieve the current status before authorizing a stored token. This approach can prevent an avoidable decline.

Status actions

Use this table to determine the appropriate action for each token-update-status.

Status	Description	Action
CLOSED	The cardholder account is closed.	Do not authorize. Contact the cardholder.
CONTACT CARDHOLDER	The network requests cardholder contact.	Attempt authorization. Contact the cardholder if it returns a non-retry decline.
NO HISTORY, UPDATE CARD	American Express reports an initial onboarding status.	Attempt authorization. Contact the cardholder if it returns a non-retry decline.
NOT_PARTICIPATING	The issuer does not participate in Account Updater.	Attempt authorization.
UPDATED	Account Updater updated the stored card.	Attempt authorization.
VALID CARD NO UPDATE	Account Updater validated the stored card.	Attempt authorization.

Example token response

The example shows a token that should not be authorized.

{
  "payload": {
    "tokens": {
      "token": [
        {
          "token-id": "1100007673332470057",
          "status": "Active",
          "last-four-digits": "0057",
          "card-type": "MASTERCARD",
          "token-status": "Open",
          "token-update-status": "CLOSED"
        }
      ]
    },
    "payloadType": "tokens"
  }
}

When the status is CLOSED, deactivate or close the stored token in your system. Then request another payment method.

Related topic

See Tokens for token request parameters and response fields.