Payment instrument verification

Overview

Payment instrument verification is a payment type in which the customer card or account is validated by either transferring a dummy (zero) amount from customer to merchant or by authorizing a specific amount (non-zero) on the customer's card or account and then voiding the transfer or the authorization. The authorization amount can be changed on merchant's request. Normally, the authorized amount is released shortly after the operation, but in some instances the authorized amount can be held up to 45 days.

This payment type can be used, for example, for registering COF purchases.

Payment model

You initiate the verification by sending the account verification request to the payment platform or by opening the payment form in the card_verify mode. Once the payment platform receives the request, it creates an account verification operation.

Payment instrument verification may require the merchant to send additional requests:

• If the payment requires customer to be authenticated by using the 3‑D Secure service, the payment platform sends to the web service a callback with the data required to generate a request to the issuer and suspends payment processing until the information about the authentication result is received. For this, in case of working via Gate, it is required to send a request with the authentication result—3ds_result, while in case of working via Payment Page, all actions are carried out without the merchant's web service involved.
• If any payment stakeholder requests additional information (for example, the payment system may request cardholder address which was missing from the initial request.), the payment platform sends to the web service a callback that lists the requested parameters and suspends the purchase processing until the required information is received. In case of working via Gate, a request should be sent with the needed information included—clarification, while in case of working via Payment Page, all actions are carried out without the merchant's web service involved.

The rest of this section describes any possible statuses of a payment instrument verification and related operations. More information about processing payment instrument verification is provided in the Payment Page and Gate sections.

Payment statuses

The following table describes the statuses of payment instrument verification.

The account verification operation statuses

The following table describes the statuses of any account verification operation.