Card recognition refers to using payment data to check what card the shopper has presented. This information lets you implement scenarios like:
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Card-based customer identification: for example, you use card acquisition to keep track of when a driver enters and leaves a parking garage. This allows you to calculate the amount due.
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Card check before refund: before issuing an unreferenced refund, you use card acquisition to verify if the shopper is using the same card for the refund as for the initial payment.
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Gift card usage: you use card acquisition to check if the shopper is using a gift card. If you do not want to accept the gift card for this transaction, you cancel the card acquisition and ask for a different card. Or if you want to stimulate usage of your gift card, you give extra discounts in the payment following the card acquisition.
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Tax-free shopping: you use the issuer country/region and the card BIN returned in the card acquisition response to determine whether the transaction qualifies for a tax refund.
Requirements
To implement scenarios based on card recognition, you need to understand:
- The card and shopper identifiers that you receive in API responses.
- Card acquisition. This lets you retrieve card and shopper identifiers before you take a next step, without making a payment yet.