Card recognition refers to using payment data to check what card the shopper has presented. This information lets you implement scenarios like:
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.
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.
Gift card usage: you use card acquisition to check if the shopper is using a gift card. If you don't 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.
Tax-free shopping: you use the issuer country and the card BIN returned in the card acquisition response to determine whether the transaction qualifies for a tax refund.
Before you begin
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.
What do you want to do?
Identify a payment card at the start and finish of a process, to calculate the amount due.
Card check before refund
Before issuing an unreferenced refund, verify that the same card is used as for the payment.
Check if a payment qualifies for a tax refund, and facilitate refunding to the card used for the payment.