{"title":"BIN data and card verification","category":"default","creationDate":1779620071,"content":"

You may want to verify card validity and BIN data<\/a>, for example before applying credit\/debit surcharges or promotional offers based on BIN codes.<\/p>\n

Submit a BIN or card verification request<\/h2>\n

Submit an authorisation request with a currency value amounting to 0 (zero-value auth<\/em>). The currency should match the eventual transaction currency.<\/p>\n

A zero-value auth requests the Adyen payments platform\u00a0to submit a card verification call to the acquirer. The call returns a\u00a0resultCode<\/code>\u00a0whose value can be\u00a0Authorised<\/code>,\u00a0Refused<\/code>,\u00a0or\u00a0Error<\/code>.<\/p>\n

Not all acquirers and issuers support card verification through zero-value auth. When your transactions are routed to an acquirer or issuer that does not support this feature, the\u00a0Adyen payments platform automatically submits a EUR 1 authorisation, which is immediately followed by an automatic authorisation cancellation. For other currencies, an approximate value equivalent to EUR 1 is used. For example, 1000 Korean Won (KRW), as 1 KRW is too low an amount to be authorised. In this case, the webhook you receive after the authorisation request includes the\u00a0additionalAmount<\/code>\u00a0field to notify the amount used for the card verification (for example, 1000 Korean Won).<\/p>\n

If you want to force a card verification request to use a non-zero value, you need to include the\u00a0additionalAmount<\/code>\u00a0field to specify the amount to use. The standard amount field value still needs to be 0 (zero) to allow the\u00a0Adyen payments platform\u00a0to recognize the transaction as a non-zero amount validation, instead of an actual low-value transaction authorisation. This action triggers an automatic cancellation by the Adyen payments platform, following the authorisation. To be accepted by the schemes, the value specified in the\u00a0additionalAmount<\/code>\u00a0field needs to be higher than the currency equivalent of USD 0.02.<\/p>\n

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If a card issuer always requires 3D Secure<\/a> to confirm every payment and also doesn't support zero-value authorisations (for example, Bancontact), Adyen can not automatically submit a EUR 1 authorisation instead of zero-value auth. In this case, you need to submit a non-zero value authorisation request.<\/p>\n<\/div><\/div>\n

Examples of BIN data\/card verification request (zero value authorisation):<\/p>\n

\n <\/code-sample>\n<\/div>\n

Examples of BIN data\/card verification\u00a0request\u00a0(non-zero value authorisation) with\u00a0additionalAmount<\/code>:<\/p>\n

\n <\/code-sample>\n<\/div>\n

Receive a BIN or card verification response<\/h2>\n

A zero-value auth response includes, among others, the following details:<\/p>\n