VerifyAvsCvv service

You use the VerifyAvsCvv service to check the card exists, verify the CVV and compare the supplied address with the address registered at the card company.

To verify a card and address you must supply:

Primary Account Number (PAN)
expiry date - as MM and YYYY
name on the card - exactly as shown on the card
address - this must include all the numerical portions of the address; typically this is the post code, house number and, where relevant, flat number.

You can also supply:

CVV
card scheme
a flag to show whether the customer is present during the transaction.

For some cards, you should also supply:

date the card is valid from
issue number.

The service returns:

Pre-authorised - this is the overall result and shows whether this card was pre-authorised. This is one of:
- Authorised - if there are no validation or verification errors and the CVV matched
- NotAuthorised - if there are any validation or verification errors
- UnableToAuthorise - if the check could not be performed.

AVS matched - shows whether the AVS check passed (true) or failed (false)
CVV matched - shows whether the CVV check passed (true) or failed (false)
Postcode matched - shows whether the postcode passed (true) or failed (false) the AVS check
condition and reason codes - this contains any messages returned by the verification service and any validation errors
details of the card - this includes the card type, sub-type, scheme name and issuer name.

Example SOAP messages

Request

<soapenv:Body>

<ban:VerifyAvsCvvRequest ReportString="CLT01" ItemisationID="ITM01">

<ns:NameOnCard>Ashley Marma</ns:NameOnCard>

<ns:CardDetails>

<ns:PAN>1234567890123457</ns:PAN>

<ns:CVV>123</ns:CVV>

<ns:ValidUntil Month="12" Year="2012"/>

</ns:CardDetails>

<ns:Address>

<ns1:deliveryPoint deliveryType="houseNumber">1</ns1:deliveryPoint>

<ns1:postalPoint postalType="street">Wydeville Road</ns1:postalPoint>

<ns1:postalPoint postalType="postcode">NE96EH</ns1:postalPoint>

</ns:Address>

</ban:VerifyAvsCvvRequest>

</soapenv:Body>

Authorised response

<soap:Body>

<PreAuthorised xmlns="http://experianpayments.com/bankwizardcard/xsd/2010/09">Authorised</PreAuthorised>

<CardType>DebitCard</CardType>

<SubType>Unknown</SubType>

<IssuerName>NatWest</IssuerName>

</CardValidationResponse>

</VerifyAvsCvvResponse>

</soap:Body>

Not authorised response

<soap:Body>

<PreAuthorised xmlns="http://experianpayments.com/bankwizardcard/xsd/2010/09">NotAuthorised</PreAuthorised>

<AvsMatched xsi:nil="true"xmlns="http://experianpayments.com/bankwizardcard/xsd/2010/09">false</AvsMatched>

<PostcodeMatched xsi:nil="true" xmlns="http://experianpayments.com/bankwizardcard/xsd/2010/09">false</PostcodeMatched>

<CardType>DebitCard</CardType>

<SubType>Unknown</SubType>

<IssuerName>Alliance and Leicester</IssuerName>

</CardValidationResponse>

</VerifyAvsCvvResponse>

</soap:Body>