On This Page

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

Processor-Specific Information

FDC Nashville Global: AVS and CVN are supported. CVN is not supported for American Express.; Card types: American Express, Diners Club, Discover, Mastercard, Visa; Discover and Diners Club—only USD is supported for zero amount authorizations.; American Express, Mastercard, and Visa—all currencies that are supported for standard authorizations are also supported for zero amount authorizations.

Merchant Category Codes

When your business signs up with Cybersource, Cybersource assigns your account a merchant category code (MCC) based on your primary business type. Cybersource sends this MCC to the card networks with every transaction you process. If you process a transaction that is unrelated to your usual goods or services, include the

merchantCategoryCode

field and set it to the relevant MCC. Cybersource and FDC Nashville Global do not validate the MCC you send. Using an incorrect MCC can result in increased decline rates, interchange downgrades, or fines. To verify the correct MCC, contact your Cybersource account manager.

Endpoint

Set the

ccAuthService_run

field to

true

Send the request to

https://ics2ws.ic3.com/commerce/1.x/transactionProcessor

Required Fields for Account Verification with Zero Amount Authorization

When relaxed requirements for address data and the expiration date are being used, not all fields in this list are required. It is your responsibility to determine whether your account is enabled to use this feature and which fields are required. For details about relaxed requirements, see Relaxed Requirements for Address Data and Expiration Date in Payment Transactions.

billTo_city
billTo_country
billTo_email
billTo_firstName
billTo_lastName
billTo_postalCode
billTo_state
billTo_street1
card_accountNumber
card_expirationMonth
card_expirationYear
ccAuthService_run: Set the value to
true
.
merchantID
merchantReferenceCode
purchaseTotals_currency
purchaseTotals_grandTotalAmount

Related Information

API field reference guide for the Simple Order API

Simple Order Example: Account Verification with a Zero Amount Authorization

Request

billTo_city=Sao Paulo
billTo_country=BR
billTo_email=null@cybersource.com
billTo_firstname=Julia
billTo_lastname=Fernandez
billTo_postalCode=01310-000
billTo_state=SP
billTo_street1=R. Augusta
card_accountNumber=41111111XXXXXXXX
card_expirationMonth=12
card_expirationYear=2023
ccAuthService_run=true
merchant_id=MID23
merchant_referenceCode=Merchant_REF
purchaseTotals_currency=mxn
purchaseTotals_grandTotalAmount=0

Response to a Successful Request

additional_processor_response=e1cdcafc-cdbb-4ef7-8788-a1234e844805
request_id=6461515866500167772420
decision=ACCEPT
reasonCode=100
merchantReferenceCode=Merchant_REF
purchaseTotals_currency=mxn
cardCategory=FccAuthService_reconciliationID=ZUDCXJO8KZRFXQJJ
ccAuthReply_amount=0
ccAuthReply_avsCode=5
ccAuthReply_authorizationCode=570110
ccAuthReply_processorResponse=1
ccAuthReply_authorizedDateTime=2022-03-01T161947Z
ccAuthReply_paymentNetworkTransactionID=111222