Verify Card

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The Verify Card service allows you to confirm that a customer's payment card is valid and linked with a live account without charging the card. This service validates card authenticity, checks account status, and ensures the card is ready to accept future transactions - making it an essential component of your risk management and fraud prevention strategy.

Prerequisites

Before integrating Verify Card, ensure you have completed the following requirements:

1

PCI DSS Level 1 Certification

Ensure you have valid PCI DSS Level 1 certification:

• Active PCI DSS Level 1 compliance certificate
• Secure card data handling procedures implemented
• Regular security assessments and compliance audits completed

2

API Credentials Setup

Configure your Amazon Payment Services credentials:

• Access code from your merchant dashboard
• Merchant identifier from your account settings
• SHA request phrase for signature calculation

How Verify Card Works

The verification process follows these steps:

1

Card Verification Request

Submit card details to Amazon Payment Services for verification without processing a payment.

2

Card Validation

APS validates the card with the issuing bank to confirm it's active and in good standing.

3

Verification Response

Receive confirmation that the card is valid and ready to accept future transactions.

4

Status Check (Optional)

Check the verification status at any time using the status inquiry endpoint.

Key Features

• Zero-amount verification - Validate cards without charging customers
• Real-time validation - Instant verification with issuing banks
• Fraud prevention - Identify invalid or stolen cards before processing
• Risk management - Reduce chargebacks and failed transactions
• PCI DSS compliant - Secure card data handling and validation
• Status tracking - Monitor verification progress and results
• Multi-currency support - Verify cards across different currencies
• Comprehensive reporting - Access detailed verification analytics

Verify Card Integration

1

Verify Card

Verify Card Request

API endpoints

https://sbpaymentservices.PayFort.com/FortAPI/paymentApi

https://paymentservices.PayFort.com/FortAPI/paymentApi

Request Structure

Submit card details for verification using the following parameters:

Verify Card Request

{
  "query_command": "VERIFY_CARD",
  "merchant_reference": "VER_12345_2024",
  "access_code": "zx0IPmPy5jp1vAz",
  "merchant_identifier": "CycHZxVj",
  "currency": "AED",
  "language": "en",
  "expiry_date": "2105",
  "card_number": "4005550000000001",
  "signature": "f93c586997906bac21e8d046407c3fbed6b6820affcb7345353487287cc7c03a",
  "settlement_reference": "VER_12345_2024"
}

Sample Responses

Successful Verification

Success Response

{
  "service_command": "VERIFY_CARD",
  "access_code": "zx0IPmPy5jp1vAz",
  "merchant_identifier": "CycHZxVj",
  "merchant_reference": "VER_12345_2024",
  "currency": "AED",
  "language": "en",
  "expiry_date": "2105",
  "card_number": "400555******0001",
  "signature": "7cad05f0212ed933c9a5d5dffa31661acf2c827a",
  "response_message": "Success",
  "response_code": "80000",
  "status": "20",
  "settlement_reference": "VER_12345_2024"
}

Failed Verification

Failed Response

{
  "service_command": "VERIFY_CARD",
  "access_code": "zx0IPmPy5jp1vAz",
  "merchant_identifier": "CycHZxVj",
  "merchant_reference": "VER_12345_2024",
  "currency": "AED",
  "language": "en",
  "signature": "7cad05f0212ed933c9a5d5dffa31661acf2c827a",
  "response_message": "Invalid card number",
  "response_code": "10012",
  "status": "10"
}

2

Check Verification Status

Check Verification Status

Use this endpoint to check the current status of a card verification request at any time.

API Endpoints

https://sbpaymentservices.PayFort.com/FortAPI/paymentApi

https://paymentservices.PayFort.com/FortAPI/paymentApi

Sample Request

Status Check Request

{
  "query_command": "CHECK_VERIFY_CARD_STATUS",
  "merchant_reference": "VER_12345_2024",
  "access_code": "zx0IPmPy5jp1vAz",
  "merchant_identifier": "CycHZxVj",
  "language": "en",
  "signature": "7cad05f0212ed933c9a5d5dffa31661acf2c827a"
}

Sample Response

Status Check Response

{
  "query_command": "CHECK_VERIFY_CARD_STATUS",
  "access_code": "zx0IPmPy5jp1vAz",
  "merchant_identifier": "CycHZxVj",
  "merchant_reference": "VER_12345_2024",
  "language": "en",
  "signature": "7cad05f0212ed933c9a5d5dffa31661acf2c827a",
  "response_code": "56000",
  "response_message": "Success",
  "status": "20",
  "transaction_status": "20",
  "transaction_message": "Verification successful"
}

Go Live

Test your verify card integration using our test card numbers and make sure to visit our go-live checklist to go live with your integration.

Support

Need assistance with verify card implementation? Contact our technical support team at merchantsupport-ps@amazon.com.