Account Updater File Formats

Fixed-width file format specifications for Account Updater request and response files.

CRITICAL: Exact Field Lengths Required

All fields must be exact length, padded with trailing spaces. Incorrect field lengths will cause file processing errors.

Request File Format

Request files must contain: Header (H1) + Detail Records (D1/D2) + Trailer (T1). Line endings separate records.

Header Record (H1)

Total: 40 characters + line ending

Pos	Field	Len	Format	Value
1-2	Record Type	2	AN	"H1"
3-8	Version ID	6	AN	"100000"
9-40	Merchant ID	32	AN	ME Merchant # (pad spaces)

Example:

H1100000941000057778

Detail Record (D1) - Full Card Numbers

Total: 74 characters + line ending

Pos	Field	Len	Format	Description
1-2	Record Type	2	AN	"D1"
3-6	Account Type	4	AN	"VISA", "MC ", "DISC"
7-38	Account Number	32	AN	Card number (pad)
39-42	Expiration	4	N	YYMM
43-74	Discretionary	32	AN	Optional (pad)

Example:

D1VISA4111111111111111 1101

Detail Record (D2) - Card Store ID

Total: 74 characters + line ending

Same as D1 but:

- Record Type: "D2"

- Account Number: Card Store ID (exactly 32 chars, no padding needed)

- Expiration: YYMM or spaces (ME retrieves from stored card data)

Example:

D2VISA258316d09edc34c7b49c11324f37e7ef1101

Trailer Record (T1)

Total: 8 characters + line ending

Pos	Field	Len	Format	Description
1-2	Record Type	2	AN	"T1"
3-8	Record Count	6	N	Detail count (zero-pad)

Example:

T1000004

Response File Format

Response files contain: Header (H1) + Detail Records (D1/D2) + Trailer (T1). Available 4 calendar days from posting.

Header Record (H1)

Total: 40 characters + line ending

Pos	Field	Len	Format	Value
1-2	Record Type	2	AN	"H1"
3-8	Version ID	6	AN	"100000"
9-40	Merchant ID	32	AN	ME Merchant # (pad spaces)

Response Detail (D1) - Full Card Numbers

Total: 124 characters + line ending

Pos	Field	Len	Format	Description
1-2	Record Type	2	AN	"D1"
3-6	Old Account Type	4	AN	Original card type (VISA/MC/DISC)
7-38	Old Account Number	32	AN	Original card #
39-42	Old Expiration Date	4	N	Original YYMM
43-46	New Account Type	4	AN	New type or spaces
47-78	New Account Number	32	AN	New # or spaces
79-82	New Expiration Date	4	N	New YYMM or spaces
83-90	Response Code	8	AN	Update status (see response codes)
91-92	Response Source	2	AN	01=MES, 02=VAU, 03=ABU, 04=DAU
93-124	Discretionary Data	32	AN	From request (echoed back)

Response Detail (D2) - Card Store ID

Total: 124 characters + line ending

Same structure as D1 but:

- Record Type: "D2"

- Old Account Number: Card Store ID (32 chars)

- New Account Number: TRUNCATED card# (first6+xxxxxx+last4) or spaces

Example truncated format: `411111xxxxxx1111 `

**Note:** Full card data is automatically updated in token storage.

Response Trailer (T1)

Total: 8 characters + line ending

Pos	Field	Len	Format	Description
1-2	Record Type	2	AN	"T1"
3-8	Record Count	6	N	Detail count (zero-pad)

Response Codes

Response codes indicate the status of each account update request.

Update Codes (Changes Made)

Code	Description
NEWACCT	Account number update - new card number issued
NEWEXP	Expiration date update - new expiration date
OVERRIDE	Correction to a previous response

No Update Codes

Code	Description
GOOD	Match found, no change needed
CLOSED	Account closed, no new number assigned
CALL	Contact customer advisory

Error / Non-Match Codes

Code	Description
NPBIN	Non-participating BIN
NOMATCH	Participating BIN, no match found
ACCTERR	Non-V/MC account number, Bad account number, or Bad check digit
EXPERR	Bad expiration date
MERCHERR	Unregistered merchant

Response Source Codes

Source Codes

Code	Source	Description
01	MES	MerchantE System
02	VAU	Visa Account Updater
03	ABU	MasterCard Automatic Billing Updater
04	DAU	Discover Network Account Updater