Support for Real Time Account Updater
Integration with Adyen payment gateway supports Real Time Account Updater, automatically updating card details during payment processing.
Zuora supports Real-Time Account Updater (RTAU) for the Adyen payment gateway integration. RTAU enables Adyen to return updated card details immediately in the payment response when a transaction fails because of account changes. This feature helps reduce payment declines caused by outdated card information.
When RTAU is enabled, Adyen can also provide the updated card number securely, encrypted with a merchant-provided RSA 2048-bit key. Zuora’s framework decrypts, re-encrypts, and stores the updated value safely.
Adyen RTAU is triggered only under the following conditions:
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The payment amount must be greater than zero. Zero-amount authorization requests will not return RTAU responses.
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The ShopperInteraction must be set to ContAuth, which means the transaction is a merchant-initiated continuous authorization.
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The payment request must omit the Card Verification Code (CVC).
You can use any of the following methods to retrieve the card updating information. In the records, SourceType = RTAU indicates this is a Real Time Account Updater entry.
- Data Query: Query the UpdaterDetail table.
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Payment Method Update Data Source
To receive notifications for card updating, you can define a Custom event overview with the condition UpdaterDetail.SourceType == 'RTAU'.
How Zuora processes Adyen RTAU responses
When an eligible Adyen payment returns an RTAU response, Zuora updates the payment method in real time.
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If an updated card number or expiration date is provided, Zuora automatically saves the update in the Payment Method record.
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All RTAU activity is logged in Payment Transaction Logs and stored in the Payment Method Updater Details object.
RTAU responses from Adyen
Adyen can return the following realtimeAccountUpdaterStatus values in the payment response:
| Status value | Description |
|---|---|
|
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New card number provided. |
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Expiration date updated. |
|
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Account closed, card invalid. |
|
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Cardholder must contact issuer. |
|
|
Status not recognized. |
Points to Note
Only supported for Visa and Mastercard cards issued in the US and Canada.
Available only for credit card payments in the Adyen v2 JSON integration.
RTAU responses are only returned in payment response messages (not in webhook events or standalone authorization responses).