MatchCardHolder service

You use the MatchCardHolder service to check that the card exists and is associated with the supplied personal details. Before the card holder matching is performed, the card details are validated to make sure that the card could exist.

To match a card with a card holder, you must supply:

Primary Account Number (PAN)
expiry date - as MM and YYYY
personal details - this is the card holder's first name and surname
address - you need the street, post code and one of:

house number
house name
flat number plus either house name or house number.

Optionally you can also supply:

CVV
card holder's date of birth
city and country for the address.

For some card types, you may also need to supply the issue number and date the card is valid from (as MM and YYYY).

This service returns:

overall result -the overall result is only returned for cards that passed validation and shows the matching level for the card and card holder. This is one of:

Full - the card number, name and address matched the Bank Wizard data
Partial - only some of the card details, name and address matched. Your business rules determine whether you accept these details
Issuer - the card details matched with the card issuer and the card holder's name and address matched. Your business rules determine whether you accept these details
No Match - typically this is returned when the card details matched but the personal details did not match
Unable To Match - these details cannot be checked. This could be because either the card issuer or scheme are not supported or because the address details cannot be found, for example the entered post code does not exist
Account Closed - this account has been closed; the personal details score and address match result are not returned. You should reject these details
Deceased - this card holder is flagged as deceased; the personal details score and address match result are not returned. You should reject these details.

card check result - this is only returned for cards that passed validation and is one of:

Full - the full card number matched the Bank Wizard data
Partial - the card BIN (first 6 digits) matched, but the full number did not match
Issuer - the card issuer matched, but the BIN and number did not match
Unable To Match - these details cannot be checked

account closed flag - this is only returned for cards that passed validation and is set to true if the account is closed
deceased flag - this is only returned for cards that passed validation and is set to true if the card holder is flagged as deceased
personal details score - this is only returned for cards that passed validation and is a score where 9 is the best match, 7 to 8 is a highly probable match, 4 to 6 is a probable match, 2 to 3 is a possible match and 1 is no match. Typically, you reject details with a score of 1
address match result - this is only returned for cards that passed validation and is Match or No Match
card validation result - this is blank for successful validations but if validation failed, contains validation errors and, optionally, reasons
card details - this includes the card type, sub-type, scheme name and issuer name.

MatchCardHolder service

Example SOAP messages