Created: February 03, 2016
Updated: January 8, 2024
Introduction
To increase your revenue and reduce transaction disruption issues, it is imperative to remain one step ahead of your customers' ever-changing credit card information.
The sticky.io Platform's Account Updater service (AU) is the optimal solution for keeping your customers' credit card data accurate and up-to-date. Utilizing this service helps mitigate decline issues related to various credit card decline reasons, such as expiration date changes, updated account numbers, and closed accounts.
Merchants who store credit card data information for subscription models will greatly benefit from this value-added service, by converting on more rebills and driving more revenue.
Please note this service is not compatible with tokenized gateways such as Affirm, Paypal. Stripe & Stripe Connect are incompatible if you send Stripe Tokens in the New Order Call. If you are sending raw card information, you may benefit from the service.
Getting Started
To sign up for this service please feel free to contact us at clientsuccess@ sticky.io . The set-up process will take just a few days and you will be notified as soon as the account is ready to use. Once the Credit Card Account Updater profile is ready, we will then just go through your campaigns and assign the profile to the appropriate campaign(s).
How Account Updater Works
Account Updater (AU) checks with the card association servers to see if there are any updates to PAN values (of the cardholders) provided in the batches. Card types supported are Visa, MasterCard, AMEX and Discover.
Please note that Account Updater does not play a role in ensuring the PAN and/or expiration date values (which are updated) are correct or not. The information in these card association's AU servers are dependent on the customer's issuing bank and their due diligence to update the cardholder's information in those AU servers when the information is updated.
If there are any discrepancies in the cardholder's PAN or expiration date information (when they receive the AU results from our services), the best path to resolution is to talk to the cardholder and have the cardholder speak with their issuing bank to update the information and rectify the issue on their end.
Within sticky.io's Account Updater profile, you will see the following parameters:
Merchant Id: This will be set up by sticky.io.
Merchant Key ID: This will be set up by sticky.io
Merchant Shared Key: This will be set up by sticky.io
Test Mode: Select if you would like to use the Credit Card Account Updater in Test Mode.
Post Back URL: This can be used if you would like to relay these credit card updates to an external server (optional).
Status Email: This will be set up by sticky.io.
Public Key: This is generated by sticky.io during the account set up.
Days Before Subscription: This allows you to define how many days prior to recurrence you will be sending your orders to sticky.io Account Updater.
BC Password: This will be set up by sticky.io.
BC Username: This will be set up by sticky.io.
Stop Recurring for Closed Accounts: Select Yes if you do not want closed account information sent to account updater
Order Age Limit: Specify the number of days in the past to send non-billable orders that were set to recur. The account updater by default will send orders that were set to recur in the past 30 days, this can be expanded up to 365 days.
Alias: For internal purposes only; it helps you identify your profile among others in your Platform.
Additional Credit Card Account Updater Information: • Below is a list of the supported tokens that you can use in your Post Back URL from sticky.io Platform's Account Updater:
{cc_first_6} – The first 6 of the credit card.
{cc_last_4} – The last 4 of the credit card.
{cc_exp_month} – The credit card's expiration month.
{cc_exp_year} – The credit card's expiration year.
{customer_id} – The customer Id.
{order_id} - The order Id.
{provider_code} - This is populated with the 3 digit alpha response code from the Account Updater, i.e NUP, CCH, etc. The expected response codes can be found below.
{hard_reject} - This is populated with a value of either '1' or '0'; '1' = hard rejection, '0' = soft rejection from the account updater. Hard rejections ARE NOT automatically placed on hold in the system, so this is only for informational purposes.
• The sticky.io Platform's Credit Card Account Updater will verify your customers' credit card numbers a few days before the orders recur and it will update the credit card number or credit card expiration date if there is any update available.
• In the case that the credit card is going to expire, we will send it to Account Updater the month before. Example: If the credit card expires 03/16, it gets sent to the Account Updater on 02/16.
• sticky.io Platform's Account Updater is compatible with any gateway integration or payment router configuration, with a few exceptions mentioned above.
Credit Card Account Updater Batch Details: 1. To view your batches and batch details, click on the 'view' symbol:
The batches list view provides you an overview of the batch Id, status, date sent, date processed, number of cards sent and number of cards updated:
3. The batch details view will provide you with the order Ids that were sent for review, their respective campaign Ids, the response messages they received, and the old vs new values also:
Response Codes:
NED = New Expiration Date
NAN = New Account Number
ACL = Account Closed
CCH = Contact Card Holder
CUR = Card Data Current
DEC = Invalid Expiration Date
NUP = No Match, No Update
Notes: Response codes NED and NAN are the only ones where an update actually occurs. Also, an order that has received an ACL or CCH response code is no longer eligible to be sent again to the Account Updater.
Batch Summary Statistics:
To view the Batch Summary Statistics, from the batch list view, click on the Actions drop down menu and select 'View Batch Statistics'.