A have a some method checking the validity of card.
Pre-authorization is a standard procedure whereby apre-authorized debit is performed on a payment device. The merchant has the opportunity to confirm the availability of funds and prevent the risk of a lower debit amount, which may otherwise increase the risk level assigned by the processor/gateway. If the risk exceeds an acceptable level, the merchant may have their per transaction value and % of each transaction increased and/or have their account privileges terminated. Pre-authorization is useful for customers. If the transaction is not completed or is less than the authorization amount, they will be reimbursed much faster than it would take for a refund. But not all merchants have the ability to do pre-authorization, and this is mostly true for certain business models. Pay-at-the-pump gas stations and hotels and motels fall into this category. Unless we control the business account, using pre-authorization for validation is essentially no different than making a purchase.
0-Auth. Many mobile apps use this method to confirm card validity when a customer adds a new payment method. This is not a requirement, and not all services choose to verify validity. Not all merchants can take advantage of this feature either. Example mobile apps using 0-auth include Grubhub.
Phone verification. Call the customer service number printed on the back of the card. Each bank has different requirements, but it is almost always better to call from the owner's phone. Some may require you to enter your SSN or PIN. Keep this in mind, because if you do not have these data - the account may be blocked
Purchase verification is probably the most common way to confirm that a card is valid. You can use popular services like try2check to do this, or you can use a private merchant with an API or virtual terminal to submit a sale and wait for approval or denial.
Pre-authorization is a standard procedure whereby apre-authorized debit is performed on a payment device. The merchant has the opportunity to confirm the availability of funds and prevent the risk of a lower debit amount, which may otherwise increase the risk level assigned by the processor/gateway. If the risk exceeds an acceptable level, the merchant may have their per transaction value and % of each transaction increased and/or have their account privileges terminated. Pre-authorization is useful for customers. If the transaction is not completed or is less than the authorization amount, they will be reimbursed much faster than it would take for a refund. But not all merchants have the ability to do pre-authorization, and this is mostly true for certain business models. Pay-at-the-pump gas stations and hotels and motels fall into this category. Unless we control the business account, using pre-authorization for validation is essentially no different than making a purchase.
0-Auth. Many mobile apps use this method to confirm card validity when a customer adds a new payment method. This is not a requirement, and not all services choose to verify validity. Not all merchants can take advantage of this feature either. Example mobile apps using 0-auth include Grubhub.
Phone verification. Call the customer service number printed on the back of the card. Each bank has different requirements, but it is almost always better to call from the owner's phone. Some may require you to enter your SSN or PIN. Keep this in mind, because if you do not have these data - the account may be blocked
Purchase verification is probably the most common way to confirm that a card is valid. You can use popular services like try2check to do this, or you can use a private merchant with an API or virtual terminal to submit a sale and wait for approval or denial.
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