What is the Card Verification functionality?

Card Verification allows merchants to verify a customer's card without charging it.

The verification is performed using a zero-amount payment request, helping confirm that the card can be used for future payments.

This can be especially useful for recurring payment scenarios, where a merchant may verify a card now and collect payment at a later date.

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#➥ Which functionalities are supported?

• Viva.com Marketplace schema

• Client-side tokenization (saved cards)

• Recurring payments

• Viva.com ISV schema

#➥ Which functionalities are not supported?

• Digital wallets (e.g. Apple Pay, Google Pay, Samsung Pay)

• Pre-authorizations

• Installments

• Variable amounts

• Tips

• Merchant-side tokenization

#➥ Which card schemes are supported for the Card Verification functionality?

Currently, only the following card schemes are supported:

• Visa

• Mastercard

• Maestro

• Diners Club

• Discover

#➥ Are Card Verification transactions charged?

Yes. A fixed fee is charged to the merchant for each Card Verification attempt (in the applicable local currency).

Fees are aggregated and billed as a single charge on the following day. For the latest applicable fee, visit the Viva.com Pricing page. Then use the country and language locale picker at the bottom right of the page to select the country and language that apply to you. Find the relevant Card Verification pricing information on the localized Pricing page.

#➥ I want to learn about Card Verification functionality.

For technical information and implementation instructions, visit the Viva.com Developer Portal — Card Verification page.

Still need help? Our team is here to support you. Please contact us via the Chat with us option in your Viva.com account.

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