Verification Checks
When processing a card payment, you can add extra validation using three checks:
Each is described in more detail below.
Address Verification System (AVS)
AVS helps reduce fraud by verifying the billing address provided by the cardholder against the address on file with the issuer. AVS is performed during authorization. Note that AVS isn’t enabled by default for new accounts - please contact us to activate it.
API requests are scanned for the address in the following order:
address provided in card details
billing address in charge creation request
address assigned to customer object
billing address provided in a payment method object
Refer to the API documentation for all values of the avsCheck.result field in the response.
Account Name Inquiry (ANI)
To help mitigate fraud, you can use Account Name Inquiry (ANI) to validate the cardholder’s name against the issuing bank’s records. ANI is a card verification service and works only with a 0-amount charge. Note that ANI and card verification aren’t enabled by default for new accounts - please contact us to activate it.
Requesting an ANI check:
Send cardholderName in the Card object
Set the amount field to 0
You will receive the ANI result in the response field aniCheck.result. All possible values you can find here.
In test mode, you can simulate different outcomes using ANI check test cards.
Card Verification Code (CVC)
The CVC (or CVV) is a three- or four-digit code printed on the card, intended to be known only by the cardholder. When you require the CVC with a card payment, the issuer verifies this code during authorization.
It provides more insight when:
A charge may succeed even if the CVV is incorrect (issuers can approve based on other factors).
CVV may be incorrect while the decline reason is different (e.g., insufficient funds, suspected fraud).
CVV may not be checked even if provided in the API request (issuer or network may skip/ignore it in some scenarios).
You don’t have to change anything in your integration - the API response contains information about the CVV check in the field cvvCheck.result. The list of possible values can be found in the API documentation.