Reach is committed to helping you maximize your revenue by ensuring successful checkouts with your stored contracts. We achieve this through continuous account updates, both in real-time and via background batch updates from issuing banks.

This process ensures your contracts remain current by reflecting account closures, expiry date changes, and card number changes (for replaced cards). By keeping your contract information up-to-date, we aim to significantly increase the authorization rates of your subsequent transactions, ensuring uninterrupted payments and services for your customers while maximizing your revenue.

You are generally not required to take any action for real-time and batch updates. However, if the webhook body contains "ActionRequired": "ContactCustomer", it indicates that a customer's card has been updated, but the new details are not available in Reach's Account Updater service.

How it works

Reach consumes webhooks from our PSPs. We parse the updated shopper information, link it to the customer's entity (contract or transaction), and update the related payment method.

• The webhook events come in various formats specific to the PSP and indicate that a consumer's information (IIN, last four digits, expiry date, and card issuing country) has been updated.
• These webhooks can also signal that a consumer's account has been closed or that a supplier needs to contact the consumer regarding an issue with their account.
• PSPs can send Webhooks during a transaction or independent of the transaction lifecycle. The webhooks include a field we use to match a contract or transaction in our system.

Once we receive the webhook, we parse the updated consumer information, attempt to link the webhook to a consumer's entity (contract or transaction), and update the related payment method. After we update the information in our system, we notify the supplier when a customer's data has been updated.

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Note

The above approach is currently only for non-embedded integrations.

Real-time updates

Visa or Mastercard 

• These updates occur during an online checkout process. Reach's Real-Time Account Updater will instantly check for updated card details if a card authorization fails when checking out with a Contract. If new details are available, the Account Updater immediately retries authorization with the updated information. The entire process occurs during the payment processing, resulting in one transaction..
• Once an update occurs, Reach will automatically update the stored contract in our system and notify you via a webhook event (Contract notification structure). You can use these updated details to enhance other systems, such as a CRM tool.
• Real-time updates can occur on subsequent Merchant-Initiated Transactions (MIT) or Consumer-Initiated Transactions (CIT). When possible, these updates will be directly associated with the transaction that incurred the update.

Batch updates

Visa, Mastercard, Discover, Amex, JCB 

• Reach's Account Updater actively updates your stored contracts in the background, ensuring they are current for future use. This process covers Visa, Mastercard, Discover, Amex, and JCB, helping to improve your authorization rates and save revenue across these major card brands. Reach's Account Updater differs from real-time updates, which only apply to Visa and Mastercard.
• When a batch job updates a contract, it occurs outside of a checkout process, meaning the update will not be associated with a specific transaction. Similar to real-time updates, Reach will automatically update the stored contract in our system and notify you of the update via a webhook event. You can use these new details to update other systems, like a CRM tool.

Enabling Reach Account Updater

We are implementing a fee for each Account Update to help us recoup associated costs. This fee will appear as an adjustment on your settlement reports.

Reach Account Updater is fully compatible with our direct Checkout API and Drop-In integrations. If you are using our no-code (embedded) integrations, similar account updater services are available directly through individual payment processors.

Contact your Reach representative with any questions about the service.