# Account Updater
## Subscribe
> To begin receiving automated updates for a card, it must be enrolled in account updater using the \*\*Subscribe\*\* operation. This API enables continuous tracking of card status with the issuing network. If the card is already subscribed, the system will automatically skip re-enrollment.\
> Subscribing ensures that your application will receive updates on card replacements, expiration changes, and other important lifecycle events, keeping your records accurate without customer input.
```json
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subscription."},"updated_at":{"type":"string","format":"date-time"}}}}},"IncludedResourceType":{"type":"string","enum":["card_updates","card_update_subscriptions","network_tokens"]},"ErrorResponse":{"properties":{"errors":{"items":{"properties":{"path":{"type":"string","title":"Path"},"summary":{"type":"string","title":"Summary"},"detail":{"type":"string","title":"Detail"},"error_code":{"type":"string","title":"Error Code"},"fingerprint":{"type":"string","title":"string"}},"type":"object","title":"Error"},"type":"array","title":"Errors","description":"A list of errors","required":["summary","detail","error_code"]},"meta":{"anyOf":[{"type":"object"}],"title":"Meta"},"links":{"anyOf":[{"additionalProperties":{"anyOf":[{"type":"string"},{"properties":{"href":{"anyOf":[{"type":"string","minLength":1,"format":"uri"},{"type":"null"}],"title":"href"},"rel":{"anyOf":[{"type":"string"},{"type":"null"}],"title":"link relation 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```
## Unsubscribe
> When a card is no longer needed for Account Update tracking, you can unsubscribe it from account updater using a DELETE call to the Card API. This removes account updater tracking from the specified card, and the system will no longer request or deliver updates for it.\
> After unsubscription:\
> \- The account updater object is removed from the card’s metadata.\
> \- No future updates will be received for this card.\
> \- The card is considered unenrolled from account updater in the CMP system.\
> This is useful when cards are retired, no longer relevant for recurring billing, or should be managed manually.
```json
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```
## On-Demand updates
> The On-Demand Card Updates API offers a stateless, real-time way to check for the latest card information without enrolling the card in account updater. This feature supports Visa and Mastercard only and is ideal for one-time update lookups.\
> For American Express (AMEX) and Discover, updates are only available for cards that have already been enrolled in account updater via VGS. This API is useful for verifying card updates without committing to long-term account updater tracking. It returns the most current data available at the time of the request, helping businesses make decisions in real time without the overhead of subscription.
```json
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For e.g. this could be due to new account creation, lost or stolen card, or when a card holder gets upgraded to Platinum or downgraded, or, due to a portfolio change (one bank to another).\n- expired - **Expiration date change** This event denotes an expiration date change event. Whenever the card expires but has the same PAN, then, a new expiration date is issued. This event is an indication that the card expired (and so a new date is issued). Typically, cards have an expiration date of 2, 3 or x years (it used to be 5 but we rarely see them these days). Sometimes, an issuer can have an expiration for 1 year (for brand new card holders as they do not have enough credit).\n- closed - **Closed account advice** This event is triggered when the issuer reports the closure of the cardholder's account i.e. cardholder's account associated with the particular card is no longer active/closed providing an important update for merchants to keep their records accurate and avoid attempting transactions with invalid or closed accounts.\n- non-participating - **Non-participating BIN** This event represents a non-participating BIN event, indicating that cards linked to these BINs will not receive updates through the account updater service. i.e. BIN of a particular card is not participating in the account updater service and merchants subscribed to account updater will not receive updates for cards associated with non-participating BINs.\n- contact-cardholder-advice - **Contact cardholder advice** This event indicates the issuer is letting the merchant know that something has changed and the merchant should force the customer to key enter the credential and the update will not be shared via the account updater channel for the merchant. 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