availability

Our card verification feature only works with credit and debit card payment methods.

Card verification is a strong first-line defense against potentially fraudulent cards. It ensures that the credit card number provided is associated with a valid, open account and can be stored in the Vault and charged successfully. We can verify the following fields with the customer’s bank:

  • Card number
  • Card expiration date
  • Street address and postal code
  • CVV

The gateway verifies credit cards by running either a $0 or $1 authorization and then automatically voiding it. For most processors, Visa and Mastercard are initially tried with $0 authorizations. Because some card types (like Amex and Discover) don’t consistently support $0 authorizations, they are only tried with $1 requests. In any instance where a $1 authorization returns a successful result, we immediately follow up with an automatic void request to ensure that the transaction will disappear from the cardholder's statement as soon as possible.

note

Some banks don't recognize void requests immediately. It's possible that after you issue the void, your customer will still see the pending charge. If this happens, have your customer call their bank; the bank should be able to see the void request and update your customer's bank statement accordingly.

Enabling card verification

If you would like to verify every card that you store in the Vault:

  1. Log into the Control Panel
  2. Navigate to Settings > Processing > Card Verification
  3. Click the toggle to enable this feature

If enabled, the gateway will verify that credit cards are valid and pass configured AVS/CVV rules before they are stored in the Vault. Cards that are not valid will not be stored in the Vault.

note

You can also choose to verify cards on an individual basis, if you prefer. Learn more about card verification in our developer docs.

Retrying all failed $0 verifications

Certain banks using Visa and Mastercard do not accept $0 as a valid transaction amount. These banks typically respond with a code that tells us that we should retry the authorization with an amount of $1, which we do automatically. Sometimes, though, we only receive back a generic decline response, so we don’t automatically retry them. In these cases, we give you the option to retry all failed $0 authorizations as $1 authorizations, regardless of the processor decline response.

To enable this feature:

  1. Log into the Control Panel
  2. Navigate to Settings > Processing > Card Verification – Retry All Failed $0
  3. Click the toggle to enable this feature
note

Retry All Failed $0 verifications can be enabled even if Card Verification is disabled. This is because you can also request individual card verifications via the API. Learn more in our developer docs.

Verifying cards already stored

You can re-verify a customer’s vaulted card information in the Control Panel:

  1. Log into the Control Panel
  2. Under Advanced Search, click Vault
  3. Locate your customer in the Vault and click on the payment method token
  4. Click Edit
  5. Under Payment Method Details, check the box next to Verify card
  6. Enter the CVV for the indicated payment method and click Save

The verification result will appear on the next page, along with the CVV and AVS Responses

Re-verification can also be done via the API. Learn more in our developer docs.

Due to PCI compliance restrictions, we never store your customer’s CVV; you’ll need to collect this from them again if you would like to re-verify either in the Control Panel or via the API.

Still have questions?

If you can’t find an answer, contact our Support team.


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