Account Updater API

# Harvested verbatim from the J.P. Morgan Payments Developer Portal.
# method: searched
# source: https://developer.payments.jpmorgan.com/api/llm-content?path=en%2Fapi%2Fcommerce%2Foptimization-protection%2Faccount-updater%2Faccount-updater-oas.md
# generated: '2026-07-28'
openapi: 3.0.1
info:
  title: Account Updater API
  description: The Account Updater API provides recurring and stored payment merchants with their customers
    latest card account credentials.
  version: 1.4.0
  contact:
    name: Merchant Services Account Updater API Support
    url: https://developer.payments.jpmorgan.com/contact/support
servers:
- url: https://api-ms.payments.jpmorgan.com/api/v1
  description: PRODUCTION - OAUTH
- url: https://api-ms-test.payments.jpmorgan.com/api/v1
  description: CLIENT TESTING - OAUTH
- url: https://api-mock.payments.jpmorgan.com/api/v1
  description: MOCK
security:
- BearerAuth: []
tags:
- name: Account Updates
  description: Request updates to an account.
- name: Health Check
  description: Validate the health of the service.
paths:
  /healthcheck:
    get:
      summary: Health check for the Account Updater service.
      security: []
      tags:
      - Health Check
      description: Health check endpoint to validate that the Account Updater service is running.
      responses:
        '200':
          description: OK
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/healthCheckResource'
        '500':
          description: Internal Server Error
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/messages'
        '503':
          description: Service Unavailable
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/messages'
        '504':
          description: Gateway Timeout
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/messages'
  /account-updates:
    post:
      summary: Query Account Updater service.
      tags:
      - Account Updates
      description: Request an update to an account. Check for updated account information.
      parameters:
      - name: merchant-id
        in: header
        required: true
        schema:
          type: string
          example: '990000000002'
          minLength: 6
          maxLength: 12
        description: Unique identifier of the merchant account. Must be 6-12 characters in length and
          contain only numeric values.
        examples:
          VI - New Account:
            value: '990941725627'
          VI - New Expiry:
            value: '990000000001'
          VI -New Account New Expiry:
            value: '990000000002'
          VI - Closed Account:
            value: '990000000003'
          VI - Contact Cardholder:
            value: '990000000004'
          VI - Match No Update:
            value: '990000000005'
          VI - No Match Non Participating BIN:
            value: '990000000006'
          VI - No Match Participating BIN:
            value: '990000000007'
          VI - Brandflip to MC:
            value: '990000000008'
          VI - PAN OPT OUT:
            value: '990000000009'
          VI - Stop Advice on merchant:
            value: '990000000010'
          MC - No Match Non Participating BIN:
            value: '990000000011'
          MC - Match No Update:
            value: '990000000012'
          MC - New Account New Expiry:
            value: '990000000013'
          MC - Contact Cardholder:
            value: '990000000014'
          MC - New Expiry:
            value: '990000000015'
          MC - No Match Participating BIN:
            value: '990000000016'
          MC - Brandflip to VI:
            value: '990000000027'
          DI - Match No Update:
            value: '990000000017'
          DI - New Account:
            value: '990000000018'
          DI - New Expiry (Network Response E):
            value: '990000000019'
          DI -New Account New Expiry (Network Response A):
            value: '990000000020'
          DI - Closed Account:
            value: '990000000021'
          DI - Contact Cardholder:
            value: '990000000022'
          DI -New Account New Expiry (Network Response O):
            value: '990000000023'
          DI - New Expiry (Network Response O):
            value: '990000000024'
          Merchant is not entitled for Standalone AU:
            value: '990000000025'
          Card not supported for account updater:
            value: '990000000026'
          VI UNREGISTER - New Account New Expiry:
            value: '990000000028'
          VI REGISTER - New Account New Expiry:
            value: '990000000030'
          MC UNREGISTER - New Account New Expiry:
            value: '990000000031'
          MC REGISTER - New Account New Expiry:
            value: '990000000032'
          DI UNREGISTER - Match No Update:
            value: '990000000033'
          DI REGISTER - Match No Update:
            value: '990000000034'
          VI - New Account New Expiry (using Safetech Token):
            value: '990000000035'
          VI - New Account (using alphanumeric Safetech Token):
            value: '990000000036'
      - name: request-id
        in: header
        required: true
        schema:
          type: string
          format: uuid
          example: 5c678f07-7eec-4b46-9e52-38feb6a23b2a
        description: Unique identifier of the merchant request. Must be a valid UUID for each request.
          Ensures each merchant request is traceable and distinct.
        examples:
          VI - New Account:
            value: 12cc0270-7bed-11e9-a188-1763956dd7f7
          VI - New Expiry:
            value: 6a0b2c2a-9c77-4f1f-a6cb-64e0f3e802a1
          VI -New Account New Expiry:
            value: 5a7d2b3c-7b2d-4d0d-9a2f-3d7f268f3f77
          VI - Closed Account:
            value: 0b4b1c52-4a2d-4a5b-9e86-12da5ce4d5a1
          VI - Contact Cardholder:
            value: 1f6c6f9b-8f9a-4f66-8b6b-8b7d6d8d8e6a
          VI - Match No Update:
            value: 2c4c3cc2-2519-4ac4-8b26-23912f7b6507
          VI - No Match Non Participating BIN:
            value: 3c2a4e8b-6d7a-4d45-9a13-6f3b2b8e4f12
          VI - No Match Participating BIN:
            value: 4d0f1b3e-cc7a-4b1b-9e5a-82c3d8e7a3b4
          VI - Brandflip to MC:
            value: 7e8a2f1d-1e42-4b1d-8d7c-9c1b2a3d4e5f
          VI - PAN OPT OUT:
            value: 9d0b720a-67a0-4c60-9f35-5e4d02f65d6f
          VI - Stop Advice on merchant:
            value: 0d7a8b9c-1e2f-4a3b-8c9d-0e1f2a3b4c5d
          MC - No Match Non Participating BIN:
            value: 24a3e9f3-6232-4f38-9e55-b1b3ed0a17cb
          MC - Match No Update:
            value: a27f4fb9-d0b4-40f3-b1b2-91bfb9e38a44
          MC - New Account New Expiry:
            value: 718b39d3-3c01-4e44-8f49-fb5e6c6e7d69
          MC - Contact Cardholder:
            value: 6c02b8c7-4d5d-4e6c-9b21-8ff6c1c4ccef
          MC - New Expiry:
            value: 5df7d9cd-8a39-4cc8-9f52-3d0b7c355a3f
          MC - No Match Participating BIN:
            value: b9c6fd41-8a5e-4b7a-8e1a-0d5aa2b2f839
          MC - Brandflip to VI:
            value: 6f8b8a5c-3a9b-4b0c-9c61-3f2e2f631b8d
          DI - Match No Update:
            value: 6a62db33-6dd2-4b3b-9a5f-9adf6e0c2e0a
          DI - New Account:
            value: 2d0c3a78-7c5a-4b7a-b9c5-3cf8b1a27ce6
          DI - New Expiry (Network Response E):
            value: 0f6c0a89-8e80-4c2c-b4a2-5b1b2d7b8f4a
          DI -New Account New Expiry (Network Response A):
            value: c0f1f1c2-9b6a-4db8-a8aa-f2d6d4b6ee20
          DI - Closed Account:
            value: 9a83e274-0b24-4a7a-8f28-50f0b1b0c3a5
          DI - Contact Cardholder:
            value: 1b3a8d9a-0c2b-4a9e-9c31-2dd5d7b11c25
          DI -New Account New Expiry (Network Response O):
            value: 7f2a6c50-0b6a-41c9-9f9a-0d0c8e5e0d17
          DI - New Expiry (Network Response O):
            value: 84ac3dd3-1b0b-4a0c-8d6a-7bb4dcf2d6b4
          Merchant is not entitled for Standalone AU:
            value: b3f6e7d0-2b55-4f45-9b6d-8c61079b1f67
          Card not supported for account updater:
            value: 0d9c0d8b-7d4c-4bb0-a5f8-ff0d8bcd6c7a
          VI UNREGISTER - New Account New Expiry:
            value: a6c2c4d7-4f71-4bdf-8c62-06da7269ad5a
          VI REGISTER - New Account New Expiry:
            value: e4f5b7b7-e5d7-46b2-8b8a-fcab0c1a2fe7
          MC UNREGISTER - New Account New Expiry:
            value: 4b4c4b1f-2a1d-4d2d-9c79-6a0a5e5ee5f4
          MC REGISTER - New Account New Expiry:
            value: 52c68c32-6aa1-441b-b52a-6f3f31ea3b6d
          DI UNREGISTER - Match No Update:
            value: d0b2d4c5-0dfc-46cf-8d0a-14b97fbfe70c
          DI REGISTER - Match No Update:
            value: 15ee6a2a-098f-4516-8a74-bf4f0ab3a55b
          VI - New Account New Expiry (using Safetech Token):
            value: 4a588054-717e-4917-9d17-3cafec28215a
          VI - New Account (using alphanumeric Safetech Token):
            value: 4a588054-717e-4918-9d17-3cafec28215a
      requestBody:
        description: Request an update to an account.
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/accountUpdateRequest'
            examples:
              VI - New Account:
                value:
                  accountInformation:
                    cardNumber: '4111111111111111'
                    expiry:
                      month: 8
                      year: 2026
              VI - New Expiry:
                value:
                  accountInformation:
                    accountNumberType: PAN
                    cardNumber: '4111111111111112'
                    expiry:
                      month: 12
                      year: 2027
              VI -New Account New Expiry:
                value:
                  accountInformation:
                    accountNumberType: PAN
                    cardNumber: '4111111111111113'
                    expiry:
                      month: 12
                      year: 2027
              VI - Closed Account:
                value:
                  accountInformation:
                    accountNumberType: PAN
                    cardNumber: '4111111111111114'
                    expiry:
                      month: 12
                      year: 2027
              VI - Contact Cardholder:
                value:
                  accountInformation:
                    accountNumberType: PAN
                    cardNumber: '4111111111111115'
                    expiry:
                      month: 12
                      year: 2027
              VI - Match No Update:
                value:
                  accountInformation:
                    accountNumberType: PAN
                    cardNumber: '4111111111111116'
                    expiry:
                      month: 12
                      year: 2027
              VI - No Match Non Participating BIN:
                value:
                  accountInformation:
                    accountNumberType: PAN
                    cardNumber: '4111111111111117'
                    expiry:
                      month: 12
                      year: 2027
              VI - No Match Participating BIN:
                value:
                  accountInformation:
                    accountNumberType: PAN
                    cardNumber: '4111111111111118'
                    expiry:
                      month: 12
                      year: 2027
              VI - Brandflip to MC:
                value:
                  accountInformation:
                    accountNumberType: PAN
                    cardNumber: '4111111111111119'
                    expiry:
                      month: 12
                      year: 2024
              VI - PAN OPT OUT:
                value:
                  accountInformation:
                    cardNumber: '4111111111111110'
                    expiry:
                      month: 8
                      year: 2026
              VI - Stop Advice on merchant:
                value:
                  accountInformation:
                    cardNumber: '4111111111111190'
                    expiry:
                      month: 8
                      year: 2026
              MC - No Match Non Participating BIN:
                value:
                  accountInformation:
                    cardNumber: '5111111111111111'
                    expiry:
                      month: 8
                      year: 2026
              MC - Match No Update:
                value:
                  accountInformation:
                    cardNumber: '5111111111111112'
                    expiry:
                      month: 8
                      year: 2026
              MC - New Account New Expiry:
                value:
                  accountInformation:
                    cardNumber: '5111111111111113'
                    expiry:
                      month: 8
                      year: 2026
              MC - Contact Cardholder:
                value:
                  accountInformation:
                    cardNumber: '5111111111111114'
                    expiry:
                      month: 8
                      year: 2026
              MC - New Expiry:
                value:
                  accountInformation:
                    cardNumber: '5111111111111115'
                    expiry:
                      month: 8
                      year: 2026
              MC - No Match Participating BIN:
                value:
                  accountInformation:
                    cardNumber: '5111111111111117'
                    expiry:
                      month: 8
                      year: 2026
              MC - Brandflip to VI:
                value:
                  accountInformation:
                    cardNumber: '5111111111111119'
                    expiry:
                      month: 8
                      year: 2026
              DI - Match No Update:
                value:
                  accountInformation:
                    cardNumber: '6011111111111110'
                    expiry:
                      month: 8
                      year: 2026
              DI - New Account:
                value:
                  accountInformation:
                    cardNumber: '6011111111111111'
                    expiry:
                      month: 8
                      year: 2026
              DI - New Expiry (Network Response E):
                value:
                  accountInformation:
                    cardNumber: '6011111111111112'
                    expiry:
                      month: 8
                      year: 2026
              DI -New Account New Expiry (Network Response A):
                value:
                  accountInformation:
                    cardNumber: '6011111111111113'
                    expiry:
                      month: 8
                      year: 2026
              DI - Closed Account:
                value:
                  accountInformation:
                    cardNumber: '6011111111111114'
                    expiry:
                      month: 8
                      year: 2026
              DI - Contact Cardholder:
                value:
                  accountInformation:
                    cardNumber: '6011111111111115'
                    expiry:
                      month: 8
                      year: 2026
              DI -New Account New Expiry (Network Response O):
                value:
                  accountInformation:
                    cardNumber: '6011111111111116'
                    expiry:
                      month: 8
                      year: 2026
              DI - New Expiry (Network Response O):
                value:
                  accountInformation:
                    cardNumber: '6011111111111117'
                    expiry:
                      month: 8
                      year: 2026
              Merchant is not entitled for Standalone AU:
                value:
                  accountInformation:
                    cardNumber: '4211111111111111'
                    expiry:
                      month: 8
                      year: 2026
              Card not supported for account updater:
                value:
                  accountInformation:
                    cardNumber: '371449635398431'
                    expiry:
                      month: 8
                      year: 2026
              VI UNREGISTER - New Account New Expiry:
                value:
                  accountInformation:
                    cardNumber: '4111111111111113'
                    expiry:
                      month: 9
                      year: 2032
                  cardAccountAction: UNREGISTER
              VI REGISTER - New Account New Expiry:
                value:
                  accountInformation:
                    cardNumber: '4111111111111113'
                    expiry:
                      month: 9
                      year: 2032
                  cardAccountAction: REGISTER
              MC UNREGISTER - New Account New Expiry:
                value:
                  accountInformation:
                    cardNumber: '5111111111111113'
                    expiry:
                      month: 8
                      year: 2026
                  cardAccountAction: UNREGISTER
              MC REGISTER - New Account New Expiry:
                value:
                  accountInformation:
                    cardNumber: '5111111111111113'
                    expiry:
                      month: 8
                      year: 2026
                  cardAccountAction: REGISTER
              DI UNREGISTER - Match No Update:
                value:
                  accountInformation:
                    cardNumber: '6011111111111110'
                    expiry:
                      month: 8
                      year: 2026
                  cardAccountAction: UNREGISTER
              DI REGISTER - Match No Update:
                value:
                  accountInformation:
                    cardNumber: '6011111111111110'
                    expiry:
                      month: 8
                      year: 2026
                  cardAccountAction: REGISTER
              VI - New Account New Expiry (using Safetech Token):
                value:
                  accountInformation:
                    cardNumber: '4112347990004113'
                    expiry:
                      month: 9
                      year: 2032
                    accountNumberType: SAFETECH_TOKEN
              VI - New Account (using alphanumeric Safetech Token):
                value:
                  accountInformation:
                    cardNumber: 411111STEASF1111
                    expiry:
                      month: 7
                      year: 2026
                    accountNumberType: SAFETECH_TOKEN
      responses:
        '201':
          description: Created
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/accountUpdateResponse'
        '400':
          description: Bad Request
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/messages'
        '401':
          description: Unauthorized
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/messages'
        '403':
          description: Forbidden
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/messages'
        '429':
          description: Too many requests
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/messages'
        '500':
          description: Internal Server Error
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/messages'
        '503':
          description: Service Unavailable
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/messages'
        '504':
          description: Gateway Timeout
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/messages'
  /account-updates/{account-identifier}:
    get:
      summary: Get information about an account update.
      tags:
      - Account Updates
      description: Get information about an account update.
      parameters:
      - name: merchant-id
        in: header
        required: true
        schema:
          type: string
          example: '991234567890'
          minLength: 6
          maxLength: 12
        description: Unique identifier of the merchant account. Must be 6-12 characters in length and
          contain only numeric values.
        examples:
          Account update referencing initial request - DI:
            value: '990000000020'
          Account update referencing initial request - VI:
            value: '990000000002'
          Account update referencing initial request - MC:
            value: '990000000013'
          Account update referencing initial request - DI REGISTER:
            value: '990000000034'
          Account update referencing initial request - VI REGISTER:
            value: '990000000030'
          Account update referencing initial request - MC REGISTER:
            value: '990000000032'
      - name: request-id
        in: header
        required: true
        schema:
          type: string
          format: uuid
          example: 5c678f07-7eec-4b46-9e52-38feb6a23b2a
        description: Unique identifier of the merchant request. Must be a valid UUID for each request.
          Ensures each merchant request is traceable and distinct.
        examples:
          Account update referencing initial request - DI:
            value: c0f1f1c2-9b6a-4db8-a8bb-f2d6d4b6ee20
          Account update referencing initial request - VI:
            value: 5a7d2b3c-7b2d-4d0d-9c2c-3d7f268f3f77
          Account update referencing initial request - MC:
            value: 718b39d3-3c01-4e44-8d4d-fb5e6c6e7d69
          Account update referencing initial request - DI REGISTER:
            value: 15ee6a2a-098f-4516-8acc-bf4f0ab3a55b
          Account update referencing initial request - VI REGISTER:
            value: e4f5b7b7-e5d7-46b2-8bbb-fcab0c1a2fe7
          Account update referencing initial request - MC REGISTER:
            value: 52c68c32-6aa1-441b-b5aa-6f3f31ea3b6d
      - name: account-identifier
        in: path
        required: true
        schema:
          type: string
          format: uuid
          example: 310566a1-d6f8-46d1-8f14-4e01803ad009
        description: UUID referencing a prior account update request. Used to retrieve update status or
          results for a specific account.
        examples:
          Account update referencing initial request - DI:
            value: c0f1f1c2-9b6a-4db8-a8aa-f2d6d4b6ee20
          Account update referencing initial request - VI:
            value: 5a7d2b3c-7b2d-4d0d-9a2f-3d7f268f3f77
          Account update referencing initial request - MC:
            value: 718b39d3-3c01-4e44-8f49-fb5e6c6e7d69
          Account update referencing initial request - DI REGISTER:
            value: 15ee6a2a-098f-4516-8a74-bf4f0ab3a55b
          Account update referencing initial request - VI REGISTER:
            value: a6c2c4d7-4f71-4bdf-8c62-06da7269ad5a
          Account update referencing initial request - MC REGISTER:
            value: 52c68c32-6aa1-441b-b52a-6f3f31ea3b6d
      responses:
        '200':
          description: OK
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/accountGetUpdateResponse'
        '400':
          description: Bad Request
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/messages'
        '401':
          description: Unauthorized
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/messages'
        '403':
          description: Forbidden
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/messages'
        '404':
          description: Not Found
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/messages'
        '500':
          description: Internal Server Error
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/messages'
        '503':
          description: Service Unavailable
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/messages'
        '504':
          description: Gateway Timeout
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/messages'
components:
  securitySchemes:
    BearerAuth:
      type: http
      scheme: bearer
      bearerFormat: JWT
  schemas:
    accountGetUpdateResponse:
      description: Information about an account.
      type: object
      required:
      - recordUpdateTimestamp
      - responseId
      - requestId
      - response
      properties:
        recordUpdateTimestamp:
          description: The date and time when the record was updated, in ISO 8601 format (YYYY-MM-DDThh:mm:ss.sssZ).
            Useful for tracking update history.
          type: string
          format: date-time
          example: '2024-10-30T14:30:00.000Z'
        responseId:
          $ref: '#/components/schemas/responseId'
        requestId:
          $ref: '#/components/schemas/requestId'
        requestStatus:
          $ref: '#/components/schemas/requestStatus'
        callbackDeliveredTimestamp:
          description: The date and time when the Account Updater service delivered the callback notification
            to the designated endpoint, confirming completion of the callback process. Value is in ISO
            8601 format (YYYY-MM-DDThh:mm:ss.sssZ).
          type: string
          format: date-time
          example: '2024-10-30T14:30:00.000Z'
        merchantRecordIdentifier:
          $ref: '#/components/schemas/merchantRecordIdentifier'
        response:
          description: Status of the request (SUCCESS or ERROR). Indicates whether the operation was completed
            successfully.
          type: string
          enum:
          - SUCCESS
          - ERROR
          example: SUCCESS
        resultsMessage:
          $ref: '#/components/schemas/resultsMessage'
        subMerchantId:
          $ref: '#/components/schemas/subMerchantId'
        bypassBrandCheckIndicator:
          description: Boolean flag indicating whether the check for updates on additional card brands
            is bypassed. When set to "true", no verification is performed on these additional brands to
            determine their readiness for updates.
          type: boolean
        cardAccountAction:
          $ref: '#/components/schemas/cardAccountAction'
    oldAccountInformation:
      description: Object that contains the card account information submitted in the request, including
        card number, expiration date, and account number type.
      type: object
      properties:
        cardNumber:
          description: Card or SafeTech token account number (13-19 digits). Represents the original payment
            instrument submitted in the request.
          type: string
          example: '4012888888881881'
        expiry:
          $ref: '#/components/schemas/expiry'
        cardTypeName:
          $ref: '#/components/schemas/cardTypeName'
        accountNumberType:
          $ref: '#/components/schemas/accountNumberType'
    newAccountInformation:
      description: Object that contains updated card account information when available, including card
        number, expiration date, account number type, and payment method change status.
      type: object
      properties:
        cardNumber:
          description: Updated card or SafeTech token account number (13-19 digits). Represents the new
            payment instrument after update.
          type: string
          example: '4012888888881881'
        expiry:
          $ref: '#/components/schemas/expiry'
        cardTypeName:
          $ref: '#/components/schemas/cardTypeName'
        paymentMethodChanged:
          description: Boolean flag indicating if the payment method for the consumer account has changed
            (true = changed, false = unchanged).
          type: boolean
        accountNumberType:
          $ref: '#/components/schemas/accountNumberType'
    expiry:
      description: Object that contains the card expiration date, including month and year.
      type: object
      required:
      - month
      - year
      properties:
        month:
          $ref: '#/components/schemas/month'
        year:
          $ref: '#/components/schemas/year'
    accountUpdateResponse:
      description: Information on update request. Pending indicates that request is being processed. Delivered
        indicates that a response has been sent to the callback URL provided in the request.
      type: object
      required:
      - requestCreateTimestamp
      - responseId
      - requestId
      - response
      properties:
        requestCreateTimestamp:
          description: The date and time when the request is created, in ISO 8601 format (YYYY-MM-DDThh:mm:ss.sssZ).
          type: string
          format: date-time
          example: '2024-10-30T14:30:00.000Z'
        responseId:
          $ref: '#/components/schemas/responseId'
        requestId:
          $ref: '#/components/schemas/requestId'
        requestStatus:
          $ref: '#/components/schemas/requestStatus'
        response:
          description: Status of the request (SUCCESS or ERROR). Indicates whether the operation was completed
            successfully.
          type: string
          enum:
          - SUCCESS
          - ERROR
          example: SUCCESS
        accountUpdaterResult:
          $ref: '#/components/schemas/accountUpdaterResult'
        merchantRecordIdentifier:
          $ref: '#/components/schemas/merchantRecordIdentifier'
        cardAccountAction:
          $ref: '#/components/schemas/cardAccountAction'
        subMerchantId:
          $ref: '#/components/schemas/subMerchantId'
        bypassBrandCheckIndicator:
          description: Boolean flag indicating whether the check for updates on additional card brands
            is bypassed. When set to "true", no verification is performed on these additional brands to
            determine their readiness for updates.
          type: boolean
    accountUpdateRequest:
      description: Request updated information for an account. Information is delivered via the notification
        interface.
      type: object
      properties:
        accountInformation:
          $ref: '#/components/schemas/accountInformation'
        cardAccountAction:
          $ref: '#/components/schemas/cardAccountAction'
        subMerchantId:
          $ref: '#/components/schemas/subMerchantId'
        merchantRecordIdentifier:
          $ref: '#/components/schemas/merchantRecordIdentifier'
        bypassBrandCheckIndicator:
          description: Boolean flag indicating whether the check for updates on additional card brands
            is bypassed. When set to "true", no verification is performed on these additional brands to
            determine their readiness for updates.
          type: boolean
    subMerchantId:
      description: Sub-merchant entity identifier (up to 12 numeric digits). Used for transaction processing
        and reporting at the lowest account hierarchy.
      type: string
      maxLength: 12
      example: '991234567890'
    cardAccountAction:
      description: Action to register or unregister the account number for automated updates (requires
        notification service enrollment).
      type: string
      example: REGISTER
      enum:
      - REGISTER
      - UNREGISTER
    responseId:
      description: Unique response identifier (UUID). Used to track and reference API responses.
      type: string
      example: fe663508-8040-4880-bfc6-1212932837bc
    requestStatus:
      description: Registra

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