# Account Closures
source: https://developer.mastercard.com/payment-account-management/documentation/api-overview/account-closure/index.md

A closed account indicates there will be no additional updates to that cardholder's data. This can be because of a Lost/Stolen Card, or the cardholder leaves the institution.

The [**closeAccount**](https://developer.mastercard.com/payment-account-management/documentation/api-reference/index.md) API enables a caller to inform Mastercard of the closure of a cardholder's Primary Account Number (PAN). It will inform the systems in Mastercard of account closure so that necessary updates can be made. The API validates that the caller is registered with a role that has access to update the account, so that only authorized callers can use the [**closeAccount**](https://developer.mastercard.com/payment-account-management/documentation/api-reference/index.md#close-account) service. If the caller is not authorized to close the account, then the API responds with an `AUTHORIZATION_FAILED` error. The API will return a `CRYPTOGRAPHY_ERROR` if the encrypted payload cannot be decrypted or if a decryption key has not been configured or is no longer valid.

## Required Fields {#required-fields}

Accounts may only be closed using the card number and the recommended fields below

|     API Fields      | Close the account and delete active and suspended tokens |
|---------------------|----------------------------------------------------------|
| Reason Code         | CLOSED ACCOUNT                                           |
| ABU Reason Code     | C                                                        |
| Updates ABU         | ✔                                                        |
| Updates Token Vault | ✔                                                        |
| Updates PAR Vault   | ✔                                                        |
| **CARD DATA**       |                                                          |
| Card Number         | **🗹**                                                   |

Key: \[✔ = Yes; **🗹** = Mandatory \]

**ABU** - When an account is closed in ABU database, the acquirer receives a response indicating they need to directly contact the cardholder for updated payment credentials. During an account closure only the old card number should be provided.

**PAR Vault** - When an account is closed in PAR Vault, FPAN to PAR mapping is removed from PAR vault. If same FPAN is added using Add Account request in future, a new PAR value will be returned.

**MDES** - With AN 2747-Enhancement to the Interaction of the Automatic Billing Updater and Mastercard Digital Enablement Service announcement, ABU closed account submissions (ABU Reason Code `C`) will have tokens associated with the closed account be automatically deleted, by default, to streamline the process of maintaining PAN and token relationships. Issuers can opt out as part of an existing or new CIS project by reaching out to their Mastercard representative or account manager.

If the PAN is mapped to an active or suspended Token and the customer is opted in to the automatic token deletion process, the token will be deleted from the Token vault.
Note:   
- Issuers who do not wish to participate in this process, can opt-out by reaching out their Mastercard representative and including the change as part of a CIS project. - FPAN to PAR mapping will be removed from PAR Vault for Close Account calls, irrespective of automatic token deletion flag settings. - Reopening of a closed account can be done only via the ABU bulk file upload. However, it does not reinstate the deleted tokens from the token vault or the removed FPAN to PAR mapping in PAR Vault. Note: The `/closeAccount` API response means the API call has been received successfully. It does not provide information on whether the updates have been applied in ABU, MDES Vault, or PAR Vault. Customers should use the `requestStatus` call to get that additional information.