Card Account Verification Transaction

In this section you will learn how to process an Account Verification transaction

Card Account Verification Overview

A Card Account Verification transaction enables a merchant to request an online verification of a cardholder.

How to process a Card Account Verification message

The merchant's system sends an IccTransactionRequest message to ANYpay POS which sends a Card Account Verification message to the ANYpay Gateway and in turn sends a Card Online Verification message to their respective acquirer.

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Key elements of a Card Account Verification IccTransactionRequest message

AuthorizationConnectionType MUST be set to [OnlineAuthorization]
TransactionType MUST be set to [PreAuthorisation]
TransactionAmount MUST be set to [0.00] Minor units is based on the merchants currency

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Account Verification Support

This is currently only supported for merchants using Euronet

Section IccTransactionRequest Element describes the elements required to build an IccTransactionRequest message.

An example of a Sale IccTransactionRequest message can be seen below.

<?xml version="1.0" encoding="utf-16"?>
<IccTransactionRequest xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema" xmlns="http://servebase.com/2009/06/pedframework">
  <TransactionConfig>
    <CustomerCode>PXP</CustomerCode>
    <Site>PXP000000001</Site>
    <Culture>en</Culture>
    <Workstation>001</Workstation>
    <MerchantId>2100112262</MerchantId>
    <Username>PxpUser1</Username>
    <Password>PxpPassword</Password>
    <IpAddress>127.0.0.1</IpAddress>
  </TransactionConfig>
  <PedEndpointAddress>
    <EndpointAddressType>Serial</EndpointAddressType>
    <SerialEndpointAddress><ComPort>COM1</ComPort>
      <BaudRate>115200</BaudRate>
      <SerialPortParity>None</SerialPortParity>
      <DataBits>8</DataBits>
      <SerialPortStopBits>One</SerialPortStopBits
      <SerialPortHandshake>None</SerialPortHandshake>
    </SerialEndpointAddress>
  </PedEndpointAddress>          
  <AuthorizationConnectionType>OnlineAuthorization</AuthorizationConnectionType>
  <TransactionAmount currency="GBP">0.00</TransactionAmount>
  <TransactionReference>AccountVerification</TransactionReference>
  <TransactionDateTime>2018-02-07T16:20:16.3964394+00:00</TransactionDateTime>
  <TransactionType>PreAuthorisation<TransactionType>
</IccTransactionRequest>

Handling an IccTransactionResponse message

Section IccTransactionResponse Element describes the elements that are returned in an IccTransactionResponse message for a Card Account Verification IccTransactionRequest.

An example of an IccTransactionResponse message for a Card Account Verification IccTransactionRequest can be seen below.

<?xml version="1.0" encoding="utf-16"?>
<IccTransactionResponse xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema" xmlns="http://servebase.com/2009/06/pedframework">
  <Language>en</Language>
  <ResponseCode>Approved</ResponseCode>
  <FaultResponseCode>0</FaultResponseCode>
  <ResponseMessage>Transaction Approved</ResponseMessage>
  <ReceiptInfo xsi:type="IccReceiptInfo">
    <CardNumber>541333******0185</CardNumber>
    <ExpiryDate year="49" month="12" />
    <StartDate year="96" month="12" />
    <TransactionAmount currency="GBP">0.00</TransactionAmount>
    <TransactionReference>AccountVerification</TransactionReference>
    <PreAuthTransactionReference>AccountVerification</PreAuthTransactionReference>
    <MerchantId>2100112262</MerchantId>
    <TerminalId>210011226201</TerminalId>
    <CardScheme code="MSC" creditDebitIndicator="CREDIT">Mastercard</CardScheme>
    <CaptureMethod>Icc</CaptureMethod>
    <Dcc xsi:nil="true" />
    <Signature>
      <Format>Bitmap</Format>
    </Signature>
    <BelowSignatureLimit>false</BelowSignatureLimit>
    <CardHolderName>RDIR 03</CardHolderName>
    <BalanceOnCard xsi:nil="true" />
    <AuthorizedTransactionAmount currency="GBP">15.00</AuthorizedTransactionAmount>
    <ApplicationId>A0000000041010</ApplicationId>
    <ApplicationLabel>MasterCard</ApplicationLabel>
    <PreferredName>Mastercard</PreferredName>
    <PanSequenceNumber>00</PanSequenceNumber>
    <CvmResults>410302</CvmResults>
    <TransactionDateTime>2018-02-14T15:47:24.7174233+00:00</TransactionDateTime>
    <TransactionType>PreAuthorisation</TransactionType>
    <AuthorisationResponseCode>3030</AuthorisationResponseCode>
    <IccAccreditationInfo>
      <AuthorisationRequestCryptogram>975C5CE3ED29C82B</AuthorisationRequestCryptogram>
      <ApplicationInterchangeProfile>5800</ApplicationInterchangeProfile>
      <ApplicationTransactionCounter>0003</ApplicationTransactionCounter>
      <UnpredictableNumber>68396050</UnpredictableNumber>
      <TerminalVerificationResult>420000E000</TerminalVerificationResult>
      <CryptogramTransactionType>00</CryptogramTransactionType>
      <CryptogramInformationData>40</CryptogramInformationData>
      <ApplicationResponseCryptogram>5800</ApplicationResponseCryptogram>
      <POSEntryMode1>3</POSEntryMode1>
      <POSEntryMode2>2</POSEntryMode2>
      <ApplicationUsageControl>FF00</ApplicationUsageControl>
      <ApplicationVersionNumber>0002</ApplicationVersionNumber>
      <TerminalApplicationVersionNumber>0002</TerminalApplicationVersionNumber>
      <TransactionStatusInformation>E800</TransactionStatusInformation>
      <TerminalType>22</TerminalType>
      <TerminalCapabilities>E0F8C8</TerminalCapabilities>
      <IssuerActionCodesOnline>F0E064F800</IssuerActionCodesOnline>
      <IssuerActionCodesDenial>0010880000</IssuerActionCodesDenial>
      <IssuerActionCodesDefault>F040642000</IssuerActionCodesDefault>
      <IssuerApplicationData>020000000000</IssuerApplicationData>
      <TerminalCountryCode>0826</TerminalCountryCode>
      <TerminalCurrencyNumber>0826</TerminalCurrencyNumber>
      <AuthorisationResponseCode>00</AuthorisationResponseCode>
    </IccAccreditationInfo>
  </ReceiptInfo>
  <Token>9d5ee8a6-c69d-42ae-ac5c-952c91da9736</Token>
  <TokenisedCardNumber>9946000000000150185</TokenisedCardNumber>
  <AuthorityCode>032662</AuthorityCode>
  <AuthorityMethod>Online</AuthorityMethod>
  <TfsEligible>false</TfsEligible>
  <PedInfo>
    <SerialNumber>325-283-122</SerialNumber>
  </PedInfo>
</IccTransactionResponse>
<?xml version="1.0" encoding="utf-16"?>
<IccTransactionResponse xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema" xmlns="http://servebase.com/2009/06/pedframework">
  <Language>en</Language>
  <ResponseCode>Declined</ResponseCode>
  <FaultResponseCode>0</FaultResponseCode>
  <ResponseMessage>DECLINED</ResponseMessage>
  <ReceiptInfo xsi:type="IccReceiptInfo">
    <CardNumber>541333******0185</CardNumber>
    <ExpiryDate year="49" month="12" />
    <StartDate year="96" month="12" />
    <TransactionAmount currency="GBP">15.00</TransactionAmount>
    <TransactionReference>Sale</TransactionReference>
    <PreAuthTransactionReference>Sale</PreAuthTransactionReference>
    <MerchantId>2100112262</MerchantId>
    <TerminalId>210011226201</TerminalId>
    <CardScheme code="MSC" creditDebitIndicator="CREDIT">Mastercard</CardScheme>
    <CaptureMethod>Icc</CaptureMethod>
    <Dcc xsi:nil="true" />
    <Signature>
      <Format>Bitmap</Format>
    </Signature>
    <BelowSignatureLimit>false</BelowSignatureLimit>
    <CardHolderName>RDIR 03</CardHolderName>
    <BalanceOnCard xsi:nil="true" />
    <AuthorizedTransactionAmount currency="GBP">15.00</AuthorizedTransactionAmount>
    <ApplicationId>A0000000041010</ApplicationId>
    <ApplicationLabel>MasterCard</ApplicationLabel>
    <PreferredName>Mastercard</PreferredName>
    <PanSequenceNumber>00</PanSequenceNumber>
    <CvmResults>410302</CvmResults>
    <TransactionDateTime>2018-02-14T15:47:24.7174233+00:00</TransactionDateTime>
    <TransactionType>Sale</TransactionType>
    <AuthorisationResponseCode>3035</AuthorisationResponseCode>
    <IccAccreditationInfo>
      <AuthorisationRequestCryptogram>975C5CE3ED29C82B</AuthorisationRequestCryptogram>
      <ApplicationInterchangeProfile>5800</ApplicationInterchangeProfile>
      <ApplicationTransactionCounter>0003</ApplicationTransactionCounter>
      <UnpredictableNumber>68396050</UnpredictableNumber>
      <TerminalVerificationResult>420000E000</TerminalVerificationResult>
      <CryptogramTransactionType>00</CryptogramTransactionType>
      <CryptogramInformationData>40</CryptogramInformationData>
      <ApplicationResponseCryptogram>5800</ApplicationResponseCryptogram>
      <POSEntryMode1>3</POSEntryMode1>
      <POSEntryMode2>2</POSEntryMode2>
      <ApplicationUsageControl>FF00</ApplicationUsageControl>
      <ApplicationVersionNumber>0002</ApplicationVersionNumber>
      <TerminalApplicationVersionNumber>0002</TerminalApplicationVersionNumber>
      <TransactionStatusInformation>E800</TransactionStatusInformation>
      <TerminalType>22</TerminalType>
      <TerminalCapabilities>E0F8C8</TerminalCapabilities>
      <IssuerActionCodesOnline>F0E064F800</IssuerActionCodesOnline>
      <IssuerActionCodesDenial>0010880000</IssuerActionCodesDenial>
      <IssuerActionCodesDefault>F040642000</IssuerActionCodesDefault>
      <IssuerApplicationData>020000000000</IssuerApplicationData>
      <TerminalCountryCode>0826</TerminalCountryCode>
      <TerminalCurrencyNumber>0826</TerminalCurrencyNumber>
      <AuthorisationResponseCode>00</AuthorisationResponseCode>
    </IccAccreditationInfo>
  </ReceiptInfo>
  <Token>9d5ee8a6-c69d-42ae-ac5c-952c91da9736</Token>
  <TokenisedCardNumber>9946000000000150185</TokenisedCardNumber>
  <AuthorityCode xsi:nil="true" />
  <AuthorityMethod>Online</AuthorityMethod>
  <TfsEligible>false</TfsEligible>
</IccTransactionResponse>