# Secure Payments API – Update Payment Profile

### General

The process of updating a payment profile will make more sense if we first look at the reasons why it works the way it does. When a request is sent to update a payment profile, the authentication is done using an OBO token. This is because when a payment profile is updated using the iframe, the authentication information is visible to users. Instead of giving users access to your standard authentication information, an OBO token, which can authenticate changes to a single payment profile only, is used. The OBO token can also be refreshed, so you can ensure that it can't be used in the future. PCI compliance requires that credit/debit card information is updated using our iframe to reduce your company's responsibility for compliance. Bank accounts can be updated through the API.

The recommended process for updating bank account payment profiles in Secure Payments (formerly PCI Wallet) is as follows:

#### Obtain a New OBO Token

To obtain a new OBO token, look here.

#### Update a Payment Profile

The process of updating a payment profile is fairly easy. Instead of using your regular Secure Payments tokens in the header, you'll use an OBO token. Then, send a PUT request to the /checking-account endpoint:

Headers: authorization: {OBO Token}PUT https://securepayments.loanpro.io/api/checking-account

{    "token": "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","checking-account": {     "accountholder_name": "Andy Goodson",     "account_number": "\${randomInteger(111111111,999999999)}",     "routing_number": "124002971",     "bank_name": "WELLS FARGO BANK",     "eft_branch_number": "",     "eft_institution_number": "",     "address": "123 OAK LANE",     "city": "SCHENECTADY",     "country": "USA",     "zipcode": "12345",     "state": "NY",     "account_type": "checking"   } }