Card Account Updater

Automatically update expired or replaced card details for recurring billing and subscription services.

Overview

Card Account Updater (CAU) automatically maintains the integrity of stored credit and debit card information. When cards expire or are replaced, Yuno updates the stored card data without requiring manual intervention from you or your customers.

The vaulted_token and fingerprint for the enrolled card remain the same after an update. No changes are needed in your integration.

Key Benefits

Benefit	Description
Higher approval rates	Automatically updating card information reduces failed transactions
Customer retention	Customers avoid manual card updates, ensuring seamless service continuity
Cost reduction	Automated processes decrease manual interventions and support inquiries
Revenue protection	Fewer missed payments from outdated card details
PCI compliance	Centralized vault management ensures secure data handling

How It Works

Card Account Updater operates asynchronously, independent of your payment flows. Yuno automatically updates card details when:

1. A card’s expiration date has passed.
2. The associated account is closed, disabled, or flagged by the issuer.

Depending on the card issuer’s replacement approach, the system updates either all card information or just the expiration date.

Webhook Notifications

After an update occurs, Yuno sends a webhook notification with the event type enrollment.update. The notification includes:

• Latest expiry date, last four digits, and IIN
• Reason for the update
• Details of the replaced card

Webhook Payload

{
  "type": "enrollment",
  "type_event": "enrollment.update",
  "account_id": "your-account-uuid",
  "data": {
    "payment_method": {
      "detail": {
        "card": {
          "expiration_month": 3,
          "expiration_year": 26,
          "iin": "411111",
          "lfd": "1234"
        },
        "card_data_history": [
          {
            "expiration_year": 24,
            "provider_data": {
              "status": "UPDATED"
            }
          }
        ]
      }
    }
  }
}

Supported Networks

Card Account Updater currently supports:

• Visa
• Mastercard

Activation

To enable Card Account Updater on your Yuno account, contact the support team at [e-mail]. Registration occurs directly with card schemes and typically requires up to 10 business days for new customers.

CAU is particularly valuable for merchants with subscription-based business models or stored card workflows. It directly reduces involuntary churn caused by expired card details.