The features presented in this page will allow your integration to check card accounts. This is a useful service for cases when you need to be usre a card is valid before using or storing it.
The following resources are the same for all the requests and responses you find in this page:
| TYPE | URL |
|---|---|
| REQUESTURL | https://testpayments.nuvei.com/merchant/xmlpayment |
| XML XML desscriptor | https://testpayments.nuvei.com/merchant/gateway.xsd |
Use the Request URL and the Request Body Fields to perform a request for this feature, then prepare your integration to receive the response, as defined by the Response Body Fields.
This feature allows you to check the validity of a card account.
| FIELD | REQUIRED | DESCRIPTION |
|---|---|---|
| TERMINALID | Y | A Terminal ID provided by Nuvei. |
| CARDNUMBER | Y | The payment card number. |
| CARDEXPIRY | Y | A 4 digit expiry field (MMYY) |
| CARDHOLDERNAME | Y | The name of the card holder. It should be as displayed on the front of the card. |
| CVV | N | The security code entered by the card holder. |
| ADDRESS1 | N | The first address. Required for AVS. |
| ADDRESS2 | N | Second line of address. Required for AVS. Same as ADDRESS1 |
| POSTCODE | N | Post cde for the address. Required for AVS. |
| DATETIME | Y | Request date and time. Format: DD-MM-YYYY:HH:MM:SS:SSS. |
| HASH | Y | A HASH code formed by part of the request fields. The formation rule is give at the ND001-Hash Formation, in the next section. |
| CREDENTIALONEFILE | N | Component of the request that can be added in case Credential on File feature is in use for the terminal processing the payment. See ND004 - Credential on File. |
ND001 - Hash Formation
The general rule to build HASH field is given at the Special Fields and Parameters page, under the Special Fields and Paramenters section. For this specific feature, you should use the following formats:
TERMINALID:CARDNUMBER:CARDEXPIRY:CARDHOLDERNAME:DATETIME:SECRET
ND002 - Data Encoding for Request
All data sent to us should be correctly encoded using the UTF-8 as the character encoding.
ND003 - The Checking Variation
Depending on the Payment Processor used by the Terminal, the account verification can be performed in two distinct ways:
<?xml version="1.0" encoding="UTF-8"?> <ACCOUNT_VERIFICATION> <TERMINALID>6491002</TERMINALID> <CARDNUMBER>4916163721669613</CARDNUMBER> <CARDEXPIRY>1122</CARDEXPIRY> <CARDHOLDERNAME>acc verif</CARDHOLDERNAME> <CVV>999</CVV> <ADDRESS1>addr 1</ADDRESS1> <ADDRESS2>addr 2</ADDRESS2> <POSTCODE>postcode</POSTCODE> <DATETIME>23-01-2019:09:24:16:105</DATETIME> <HASH>821cb691de21380b42efa97276ab0cc829c9fdfbcb28f5890492622c6a78093eeb28862b4d721e0e2f8db3a521eefda052da51979da6f66578a7b704b7c8aed5</HASH> </ACCOUNT_VERIFICATION>
REMEMBER to change the Terminal ID and Terminal Secret for valid values. Verify the Integration Docs for viable examples or contact our support team.
ND004 - Credential on File
This feature is currently available to TSYS Saratoga terminals. The field CREDENTIALONFILE is sent to get the BRANDTXIDENTIFIER in the response message.
<?xml version="1.0" encoding="UTF-8"?> <ACCOUNT_VERIFICATION> <TERMINALID>6491002</TERMINALID> <CARDNUMBER>4916163721669613</CARDNUMBER> <CARDEXPIRY>1122</CARDEXPIRY> <CARDHOLDERNAME>acc verif</CARDHOLDERNAME> <CVV>999</CVV> <CREDENTIALONFILE/> <ADDRESS1>addr 1</ADDRESS1> <ADDRESS2>addr 2</ADDRESS2> <POSTCODE>postcode</POSTCODE> <DATETIME>23-01-2019:09:24:16:105</DATETIME> <HASH>821cb691de21380b42efa97276ab0cc829c9fdfbcb28f5890492622c6a78093eeb28862b4d721e0e2f8db3a521eefda052da51979da6f66578a7b704b7c8aed5</HASH> </ACCOUNT_VERIFICATION>
The response body fields will be:
| FIELD | DESCRIPTION |
|---|---|
| STATUS | Verification result. VERIFIED when the check is successful or UNVERIFIED when the verification fails. |
| RESPONSE_DETAIL | This field adds context to the verifation response, indicating in case or failure, the reason. |
| DATETIME | Request date and time. Format: DD-MM-YYYY:HH:MM:SS:SSS |
| HASH | A HASH code formed by part of the request fields. The formation rule is given at the ND001 - Hash Formation, in the next section. |
| BRANDTXIDENTIFIER | The gateway returns the transaction identifier received from Acquirer to the merchant in the response if Credential on File is used |
ND001 - Hash Formation
THe general rule to build HASH field is given at the Special Fields and Parameters page, under the Special Fieds and Parameters section. For this specific feature, you should use the following formats:
ERMINALID:STATUS:RESPONSE_DETAIL:DATETIME:SECRET
RESPONSE_DETAIL is only used if retured and TERMINALID refers to the request field used.
ND002 - Error Handling
If there is an error processing the transaction, the error string is returned in an XML message with the simple tags:
<ERROR> <ERRORSTRING>This is the error generated!</ERRORSTRING> </ERROR>
<?xml version="1.0" encoding="UTF-8"?> <ACCOUNT_VERIFICATION_RESPONSE> <STATUS>UNVERIFIED</STATUS> <RESPONSE_DETAIL>CVV validation failed</RESPONSE_DETAIL> <DATETIME>29-04-2019:15:27:45:921</DATETIME> <HASH>d71730f0abb95321386bb7e29f13c0c55412c114ea8689f460a0ee68d0c23b300acecd5f88eae84366edcaee5dae121d356e2c10449b61e8319c7eedc19fe8f5</HASH> </ACCOUNT_VERIFICATION_RESPONSE>
REMEMBER to change the Terminal ID and Terminal Secret for valid values. Verify the Integration Docs for viable examples or contact our support team.
<?xml version="1.0" encoding="UTF-8"?> <ACCOUNT_VERIFICATION_RESPONSE> <STATUS>VERIFIED</STATUS> <CREDENTIALONFILE> <BRANDTXIDENTIFIER>193252026110014</BRANDTXIDENTIFIER> </CREDENTIALONFILE> <DATETIME>29-04-2019:15:27:45:921</DATETIME> <HASH>d71730f0abb95321386bb7e29f13c0c55412c114ea8689f460a0ee68d0c23b300acecd5f88eae84366edcaee5dae121d356e2c10449b61e8319c7eedc19fe8f5</HASH> </ACCOUNT_VERIFICATION_RESPONSE>