When you capture card data, it is recommended that you verify the validity of the card
entered. If you are submitting a payout transaction while the user is simultaneously
entering card data, this function might not be needed—the Payout API response might
reject the payment card.
If you are capturing card data for future use, it is recommended that you validate the account
entered. This process ensures that the account number entered is an active, valid
account. You can also use the Address Verification Service (AVS), the Card Verification
Number (CVN), and expiration date validation. To validate the account, initiate a
zero-dollar authorization transaction. To perform a pre-authorization, see the Payments
API and follow the instructions.