Getting Started with Payment Account Validation

About Payment Account Validation

The Payment Account Validation API provides several methods that you can use to determine if a particular Visa account is valid and in good standing.  The API currently provides three methods of account validation: Account Verification (also known as a $0 authorization), Address Verification, and Card Verification Value (CVV2) Validation.  The ability to pre-validate an account increases the probability of a successful, seamless transaction flow.

There are many situations in which you may need to know if a Visa account provided by your customer is valid before making services available to that customer in your project. Examples include validating a sender and/or recipient account before initiating a money transfer between them or validating an account before loading it into a digital wallet or card-on-file repository.

The Payment Account Validation API offers several methods that you can use to determine if a particular Visa account is valid and in good standing. Before using the API, it is important to understand what the available methods are and how they work. The API currently has three methods of account validation: Account Verification, the Address Verification Service (AVS), and Card Verification Value (CVV2) Validation. 

Things to Know

All Visa issuers support Account Verification requests. U.S. and U.K. issuers are required to support Address Verification Service and CVV2 Validation requests; participation in both services is optional for all other issuers. If you request an Address Verification or CVV2 Validation from a non-participating issuer, you will receive an appropriate Action Code in the response.

The Payment Account Validation API is available for use by any developer in sandbox and production. However, Visa retains the right to review your project implementation of this API before production on-boarding to ensure that it is being used appropriately.

Availability

The following table lists the regional availability for Payment Account Validation. To view availability of all products, refer to the Availability Matrix.

Available in entire region

Limited availability in region

Not available

Region Availability Notes
North America
Asia-Pacific
Europe
CEMEA
LAC