TABLE OF CONTENTS
Can you Verify a Credit card Without Charging it?
Why, Verify Card Data?
Visa’s Account Number Verification (AVN) Service-
Visa has a verification service called the Account Number Verification (AVN) service which is commonly referred to as the “Zero Dollar Verification Service.” This service verifies the credit or debit card number, the cardholder address using the Address Verification Service (AVS), and Cardholder Verification Value (CVV) code. However, it will not be able to determine if future sales will be approved. That depends on the funds available in the customer’s account.
To use this service, you run a sale for $0.00 on your physical credit card terminal or online gateway via the virtual terminal. An approval response indicates that the information has been verified. On virtual terminal accounts, CVV and AVS responses will let you know if the Address and the 3-4 Digit security code (CVV) match.
It is important to note that the cardholder will see a transaction on their account for $0.00 which will usually disappear in the following 24-48 hours. It will usually be labeled as “Visa Provisioning Service $0 Charge”.
|Visa charges an assessment for using this service on a per transaction basis.
|Zero Dollar Verification Fee Credit
|Zero Dollar Verification Fee Debit
|Zero Dollar Verification Fee International
Mastercard, Discover, and American Express-
Unfortunately, at this time the other card brands do not support Zero Dollar Verification. However, you can still verify card information with a very small charge, even as low as a single penny $0.01.
Once you run that charge, you can immediately void it and although it will show as a pending sale on your customers bank or credit card account, the hold will expire after 24-48 hours.
– They don’t recognize the charge.
– They customer does not want their funds to be on hold.
Generally speaking, its best to alert your customer of the potential that a small charge will appear on their account and will expire in a day or so. Even verifying a credit card without charging it will show up on a customers account so to avoid giving a customer a potentially negative experience, information up front is the best policy.
Do you need to be able to verify credit cards for your business? If so, reach out to us today and we can set you up with some of the “Best pricing in the industry”.