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Account check

An account check (Account Number Verification) is performed to check the validity of a pan. It is done by submitting a transaction with only the mandatory parameters using the appropriate TransType and TransAmount 0. Possible ResponseCodes are 00, approved or 85, no reason to decline.

Attention

If an account check is used to store card data for future use by the merchant, it must be fully authenticated in accordance with SCA.

Additional Verification Services

In addition to verifying the card number, account check transactions can be enhanced with:

  • Address Verification Service (AVS) - Verify the cardholder's billing address by including postal code and/or street address. Supported by Visa, Mastercard, and American Express.
  • Name Validation - Verify the cardholder's name matches the account on file. Supported by Visa and Mastercard with different parameter requirements.

These services can be used individually or combined with the account check to provide additional verification of cardholder information before storing card data or processing future transactions.

Visa

Address Verification Service (AVS)

Visa supports Address Verification Service (AVS) for account check transactions. AVS can be used with zero-amount transactions to verify the cardholder's billing address.

To perform AVS:

The response will include AVSR with the verification result. See AVS response codes for details.

Visa supports name validation for account check transactions using Cardholder Related Data (CRD) parameters. This service can only be used with zero-amount transactions.

To perform name validation:

  • Set TransAmount to 0
  • Include CRDLastName (up to 35 characters) - required
  • Optionally include CRDGivenName (up to 35 characters)
  • Optionally include CRDMiddleName (up to 35 characters)
  • Optionally include CRDAccountOwner (01 = Primary account owner, 02 = Secondary account owner) - defaults to 01 if not specified

The response will include CRDR with the validation results in TLV format. See CRDR response codes for details on match results.

Note

Name validation (CRD) can only be performed on zero-amount transactions. Attempting to use CRD parameters with non-zero amounts will result in error code TH.

Mastercard

Address Verification Service (AVS)

Mastercard supports Address Verification Service (AVS) for account check transactions. AVS can be used with zero-amount transactions to verify the cardholder's billing address.

To perform AVS:

The response will include AVSR with the verification result. See AVS response codes for details.

Name Validation Service

Mastercard supports Name Validation Service for account check transactions using Cardholder Related Data (CRD) parameters.

To perform name validation:

The response will include CRDR with the validation results in TLV format. See CRDR Mastercard response codes for details on match results (A = Match, B = Partial Match, C = No Match, U = Unverified).

American Express

Address Verification Service (AVS)

American Express supports Address Verification Service (AVS) for account check transactions.

To perform AVS:

The response will include AVSR with the verification result. See Amex AVS response codes for details (Y = Both correct, N = Both incorrect).