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Account Verification with a Zero Amount Authorization

Account verification with zero amount authorization is a standard e-commerce practice where you send a zero amount transaction to verify a card is valid and whether the card is lost or stolen. You cannot capture a zero amount authorization.

Most card networks refer to card account validation as zero amount authorization (ZAA). These card networks have their own names for the service:

Discover Zero Dollar Authorization

Visa Account Verification

Endpoint

Production:

POST https://api.cybersource.com/pts/v2/payments

Test:

POST https://apitest.cybersource.com/pts/v2/payments

Required Fields for Account Verification with Zero Amount Authorization

clientReferenceInformation.applicationUser: Set the value to
eftpos
.
clientReferenceInformation.code
clientReferenceInformation.partner. developerId: Set the value to
eftpos
.
clientReferenceInformation.partner. solutionId: Set the value to
CNP
.
orderInformation.amountDetails.currency
orderInformation.amountDetails.totalAmount: Set this value to
0
.
orderInformation.billTo.address1
orderInformation.billTo.administrativeArea
orderInformation.billTo.country
orderInformation.billTo.email
orderInformation.billTo.firstName
orderInformation.billTo.lastName
orderInformation.billTo.locality
orderInformation.billTo.postalCode
paymentInformation.card.expirationMonth
paymentInformation.card.expirationYear
paymentInformation.card.number
paymentInformation.card.securityCode
processingInformation.commerceIndicator: Set the value to
internet
.

Related Information

API field reference guide for the REST API

REST Example: Account Verification with a Zero Amount Authorization

Request

{
  "clientReferenceInformation": {
    "code": "Purchase_A61_050",
    "partner": {
      "developerId": "eftPOS",
      "solutionId": "CNP"
    },
    "applicationUser": "eftPOS"
  },
  "processingInformation": {
    "commerceIndicator": "internet",
    "capture": "false"
  },
  "orderInformation": {
    "billTo": {
      "country": "AU",
      "lastName": "VDP",
      "address2": "Address 2",
      "address1": "123 Collins St",
      "postalCode": "3000",
      "locality": "Melbourne",
      "administrativeArea": "VI",
      "firstName": "CYBS",
      "phoneNumber": "3-9657-1234",
      "district": "VI",
      "buildingNumber": "123",
      "company": "Visa",
      "email": "test@cybs.com"
    },
    "amountDetails": {
      "totalAmount": "0.00",
      "currency": "aud"
    }
  },
  "paymentInformation": {
    "card": {
      "expirationYear": "2025",
      "number": "4687380100010006",
      "expirationMonth": "12",
      "type": "070",
      "securityCode": "123"
    }
  }
}

Response to a Successful Request

{
  "_links": {
    "authReversal": {
      "method": "POST",
      "href": "/pts/v2/payments/7464484268116175103091/reversals"
    },
    "self": {
      "method": "GET",
      "href": "/pts/v2/payments/7464484268116175103091"
    },
    "capture": {
      "method": "POST",
      "href": "/pts/v2/payments/7464484268116175103091/captures"
    }
  },
  "clientReferenceInformation": {
    "code": "Purchase_A61_050",
    "partner": {
      "developerId": "eftPOS",
      "solutionId": "CNP"
    }
  },
  "id": "7464484268116175103091",
  "orderInformation": {
    "amountDetails": {
      "authorizedAmount": "0.00",
      "currency": "aud"
    }
  },
  "paymentAccountInformation": {
    "card": {
      "type": "070"
    }
  },
  "paymentInformation": {
    "tokenizedCard": {
      "type": "070"
    },
    "card": {
      "type": "070"
    }
  },
  "processorInformation": {
    "systemTraceAuditNumber": "048168",
    "retrievalReferenceNumber": "048168334612",
    "responseCode": "00",
    "avs": {
      "code": "2"
    }
  },
  "reconciliationId": "7464484268116175103091",
  "status": "AUTHORIZED",
  "submitTimeUtc": "2025-05-05T12:33:47Z"
}