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:
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
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:
Card Verification Request
Submit card details to Amazon Payment Services for verification without processing a payment.
Card Validation
APS validates the card with the issuing bank to confirm it's active and in good standing.
Verification Response
Receive confirmation that the card is valid and ready to accept future transactions.
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
Verify Card
Verify Card Request
API endpoints
https://sbpaymentservices.PayFort.com/FortAPI/paymentApi
Request Structure
Submit card details for verification using the following parameters:
{
"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
- Failed Verification
{
"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"
}
{
"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"
}
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
Sample Request
{
"query_command": "CHECK_VERIFY_CARD_STATUS",
"merchant_reference": "VER_12345_2024",
"access_code": "zx0IPmPy5jp1vAz",
"merchant_identifier": "CycHZxVj",
"language": "en",
"signature": "7cad05f0212ed933c9a5d5dffa31661acf2c827a"
}
Sample 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.