Description
This feature allows you to check the validity of a card by performing a 0 euro authorization.
Prerequisites
You offer your customers payment by credit card
In this scenario, you only You want to store the pseudo card number (PCNr) and want to validate the customer's credit card
You use the pseudo card number to store and reuse the card data
IMPORTANT: Currently and in the future, schemes/card brands want to prevent merchants from carrying out card data validations with a minimum amount (e.g. 1 cent authorization). Therefore, BNP Payment platform offers you the corresponding "ZeroValueAuthentication". This is controlled by passing the additional parameter "AccVerify" in the encrypted data – see the example below for details.
Implementation
Implementation
The account verification feature is available on :
Axepta Online endpointsCredit card form hosted by BNP Paribas - PaySSL.aspx
Credit card form hosted by the merchant - PayNow.aspx - if for merchants PCI-DSS compliantcertified
Main parameter
You need to use the parameter ACCVerify in your payment request.Request
The following table describes the additional encrypted parameter to add in the payment request :
Key | Format | CND | Description |
|---|---|---|---|
AccVerify | a3 | O | Valeur autorisée : yes |