Skip to main content

​
Overview

This functionality (CardUpdater™) enables you to provision a user’s new card to their merchant accounts entirely server-side, without requiring them to re-authenticate through the SDK. This is ideal for scenarios where a user already has linked merchant accounts and you want to seamlessly update their payment method when a new card is issued.

​
Use Cases

  • A user’s card is reissued (e.g., expiration or replacement) and you want to update their payment method across merchants where they’ve previously authenticated.
  • A user is issued a different card that you want to provision to merchants, such as when you have a business incentive to capture higher interchange spend (e.g., moving from debit to credit).
This functionality requires users to have previously authenticated with merchants through the Knot SDK. It updates cards at existing merchant account connections—it does not create new ones.

​
Integration Steps

1

Retrieve available merchant accounts

When a new card is issued for a user, call Get Merchant Accounts to retrieve the merchant accounts where the card can be provisioned. Whether the card can be updated at each merchant is indicated by the presence of update_card in connection.scopes.type:
[
  {
    "merchant": {
      "id": 19,
      "name": "DoorDash",
      "logo": "https://knot.imgix.net/merchants/KBQ5j6cN010PPpwbO7RpKGyDrCpsZ91FRhwnZp5u.png"
    },
    "connection": {
      "status": "connected",
      "scopes": [
        {
          "type": "update_card"
        }
      ]
    },
    "lifecycle": {
      "status": null
    },
    "last_user_action": {
      "attempted_at": null,
      "status": null
    }
  }
]
2

Provision the card to each merchant account

For each merchant account that supports updating the card and where updating is desired, make a request to Switch Card or Switch Card (JWE) to provision the new card.
3

Listen for webhooks

Listen for the CARD_UPDATED and CARD_FAILED webhooks to track the status of each card update, just as you do for SDK-initiated card switches.