Card verification

Last updated: July 19, 2023

Card verification allows you to accept and verify a cardholder's payment information without actually billing the customer for a charge. This type of authorization request is particularly useful if you're offering a trial period for a product or service.

For example, you may choose to collect credit card information during an initial registration process but offer a 30-day trial period before charging the customer's credit card. The cardholder's details are saved to their account, allowing you to charge the card when necessary.

To verify a card, simply set up a payment request with the amount field omitted or set to 0.

For the full specification, as well as complete request and response examples, see our API Reference

post

https://api.checkout.com/payments


1{
2  "source": {
3    "type": "token",
4    "token": "tok_yo2zfqgdnn4u7gswjbjmqt5mza"
5  },
6  "currency": "USD"
7}

Note

Some issuing banks do not support card verification and reject the charge request even if all card details are accurate.

If the approved field is true and the status field has a value of Card Verified, the verification was successful. If unsuccessful, the card may be invalid/expired or the account may have an insufficient available balance.

If you received a 202 response, a redirect is required (e.g., because 3D Secure authentication is required).

For more information on the value returned in the source.cvv_check field, see the CVV response codes page.


1{
2  "id": "pay_aqwuar5sjb5upkupgywyzapfii",
3  "action_id": "act_aqwuar5sjb5upkupgywyzapfii",
4  "amount": 0,
5  "currency": "USD",
6  "approved": true,
7  "status": "Card Verified",
8  "auth_code": "085143",
9  "eci": "05",
10  "scheme_id": "638284745624527",
11  "response_code": "10000",
12  "response_summary": "Approved",
13  "risk": {
14    "flagged": false
15  },
16  "source": {
17    "id": "src_o67xgoxulgnuhgeaxsdk4cbvgq",
18    "type": "card",
19    "expiry_month": 9,
20    "expiry_year": 2022,
21    "scheme": "Visa",
22    "last4": "4242",
23    "fingerprint": "F31828E2BDABAE63EB694903825CDD36041CC6ED461440B81415895855502832",
24    "bin": "424242",
25    "card_type": "CREDIT",
26    "card_category": "CONSUMER",
27    "issuer": "Test Bank",
28    "issuer_country": "US",
29    "product_id": "A",
30    "product_type": "Visa Traditional",
31    "avs_check": "S",
32    "cvv_check": ""
33  },
34  "customer": {
35    "id": "cus_vrdaroxvawlevmxxvhi66thpum"
36  },
37  "processed_on": "2019-01-17T17:41:52Z",
38  "_links": {
39    "self": {
40      "href": "https://api.sandbox.checkout.com/payments/pay_aqwuar5sjb5upkupgywyzapfii"
41    },
42    "actions": {
43      "href": "https://api.sandbox.checkout.com/payments/pay_aqwuar5sjb5upkupgywyzapfii/actions"
44    }
45  }
46}

Information

You can simulate card verification outcomes to test your integration.

We've made some changes to our API

Card verification

Verify a card

The request

Endpoints

Request example

Note

The response

Response example

Information