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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
Processor-Specific Information
- FDMS Nashville
- AVS and CVN are supported.
- Card type: American Express, China UnionPay, Diners Club, Discover, JCB, Mastercard, Visa
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
- 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 totrue.
- merchantID
- merchantReferenceCode
- purchaseTotals_currency
- purchaseTotals_grandTotalAmount
Related Information
Simple Order Example: Account Verification with a Zero Amount Authorization
Request
billTo_city=Sao Paulo billTo_country=BRbillTo_email=null@cybersource.combillTo_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