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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

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
merchantInformation.categoryCode
 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

Production:
POST
https://api.cybersource.com
/pts/v2/payments
Test:
POST
https://apitest.cybersource.com
/pts/v2/payments

Required Fields for Account Verification with Zero Amount Authorization

IMPORTANT
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.

REST Example: Account Verification with a Zero Amount Authorization

Request
{
  "orderInformation" : {
    "billTo" : {
      "country" : "US",
      "lastName" : "Kim",
      "address1" : "201 S. Division St.",
      "postalCode" : "48104-2201",
      "locality" : "Ann Arbor",
      "administrativeArea" : "MI",
      "firstName" : "Kyong-Jin",
      "email" : ""
    },
    "amountDetails" : {
      "totalAmount" : "0.00",
      "currency" : "usd"
    }
  },
  "paymentInformation" : {
    "card" : {
      "expirationYear" : "2031",
      "number" : "4111111111111111",
      "expirationMonth" : "12"
    }
  }
}
Response to a Successful Request
{
  "_links" : {
    "authReversal" : {
      "method" : "POST",
      "href" : "/pts/v2/payments/6461731521426399003473/reversals"
    },
    "self" : {
      "method" : "GET",
      "href" : "/pts/v2/payments/6461731521426399003473"
    },
    "capture" : {
      "method" : "POST",
      "href" : "/pts/v2/payments/6461731521426399003473/captures"
    }
  },
  "clientReferenceInformation" : {
    "code" : "1646173152047"
  },
  "id" : "6461731521426399003473",
  "orderInformation" : {
    "amountDetails" : {
      "authorizedAmount" : "0",
      "currency" : "usd"
    }
  },
  "paymentAccountInformation" : {
    "card" : {
      "type" : "001"
    }
  },
  "paymentInformation" : {
    "tokenizedCard" : {
      "type" : "001"
    },
    "card" : {
      "type" : "001"
    }
  },
  "processorInformation" : {
    "systemTraceAuditNumber" : "862481",
    "approvalCode" : "831000",
    "merchantAdvice" : {
      "code" : "01",
      "codeRaw" : "M001"
    },
    "responseDetails" : "ABC",
    "networkTransactionId" : "016153570198200",
    "consumerAuthenticationResponse" : {
      "code" : "2",
      "codeRaw" : "2"
    },
    "transactionId" : "016153570198200",
    "responseCode" : "00",
    "avs" : {
      "code" : "Y",
      "codeRaw" : "Y"
    }
  },
  "reconciliationId" : "6461731521426399003473",
  "status" : "AUTHORIZED",
  "submitTimeUtc" : "2022-03-01T22:19:12Z"
}
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