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Yuno lets you verify if the customer’s credit card is real and is working. Our Credit Card Verification API is designed to empower your applications with a robust mechanism for validating credit card transactions, ensuring a seamless and secure payment experience for your users. This operation does not create any charges for your client.

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Advantages

With the Yuno card verification service, you can protect your business in real time:
  • Real-time Verification: Instantly validate credit card details to ensure accuracy and authenticity.
  • Fraud Prevention: Mitigate the risk of fraudulent transactions by verifying the legitimacy of credit card information.
  • Seamless Integration: Easily integrate our API into your existing payment processing system, minimizing development time and effort.

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Integration

First, you need to define a route to use the card verification feature. When configuring the route, be sure to select:
  • Card as payment method.
  • Define the Transaction type Equal to VERIFY.
With the above configurations, all card verifications will be processed following the configuration of the created route.
Select the Correct Provider
  • The credit card verification process isn’t provided by all providers. Always contact your technical account manager to verify which providers support card verification.
  • Yuno uses a zero-dollar authorization for card validations. If the provider does not support this flow, we will internally:
    • Authorize the minimum possible amount and then cancel the authorization for credit cards.
    • Perform a purchase for the minimum possible amount and then refund it for debit cards.
In addition to creating the route, you need to choose when to use the validation. You can verify cards during the enrollment process or while making a credit card payment. Depending on your chosen process, you should use different endpoints or SDK functions.

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Verify the card at the enrollment

You can verify the card at the enrollment whether you are using the Direct or SDK integrations.

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SDK integration

If you are using an integration based on SDKs, you need to define the verify object, informing the currency and vault_on_success = true when performing the enrollment. The code block below presents an example of card verification requests and responses using the SDK.
Request
{
  "payment_method_type": "CARD",
	"country":"DE",
	"account_id":"493e9374-510a-4201-9e09-de669d75f256",
    "verify": {
        "vault_on_success": true,
        "currency": "EUR"
    }
}
Response
{
    "id": "fbc68364-0456-41b6-9743-1acb07d55f14",
    "idempotency_key": null,
    "account_id": "493e9374-510a-4201-9e09-de669d75f256",
    "name": "Card",
    "description": "Card",
    "type": "CARD",
    "category": "CARD",
    "country": "BR",
    "status": "READY_TO_ENROLL",
    "created_at": "2024-01-31T14:44:33.552281Z",
    "updated_at": "2024-01-31T14:44:33.552283Z",
    "enrollment": {
        "session": "232b123d-c4d9-4ddc-b776-e0b0eaa6bb8b",
        "sdk_required_action": true
    },
    "provider": {
        "id": "YUNO",
        "type": "YUNO",
        "provider_status": null
    },
    "customer_payer": {
        "first_name": "Fernando",
        "last_name": "Iglesias",
        "email": "Anastasia.Kirlin16@yahoo.com",
        "gender": null,
        "date_of_birth": null,
        "document": null,
        "phone": null,
        "billing_address": null
    },
    "verify": {
        "vault_on_success": true,
        "currency": "BRL",
        "payment": null
    },
    "preferred": null
}
Access the SDK integration page for additional information related to the enrollment process.

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Direct integration

To verify the card at the enrollment with the Direct integration, you will use the Enroll Payment Method endpoint. In addition to the card_data object, you need to provide the verifyobject. Inside of the verify object you define the currency and provide vault_on_success = true. The code block below presents an example of card verification requests and responses using the Enroll Payment Method.
Request
{
    "account_id": "493e9374-510a-4201-9e09-de669d75f256",
    "country": "DE",
    "type": "CARD",
    "workflow": "DIRECT",
    "card_data": {
        "holder_name": "John Smith",
        "expiration_month": 10,
        "expiration_year": 24,
        "number": "4988080000000000",
        "security_code": "123"
    },
    "verify": {
        "vault_on_success": true,
        "currency": "EUR"
    }
}
Response
{
    "name": "VISA ****0000",
    "description": "VISA ****0000",
    "type": "CARD",
    "category": "CARD",
    "country": "BR",
    "status": "ENROLLED",
    "sub_status": null,
    "vaulted_token": "5d4d8b95-c6f8-4336-b051-9eb06a436139",
    "callback_url": null,
    "action": "FORM",
    "redirect_url": null,
    "created_at": "2024-01-31T14:47:39.643700Z",
    "updated_at": "2024-01-31T14:47:39.643701Z",
    "card_data": {
        "iin": "49880800",
        "lfd": "0000",
        "expiration_month": 10,
        "expiration_year": 24,
        "number_length": 16,
        "security_code_length": 3,
        "brand": "VISA",
        "issuer": null,
        "issuer_code": null,
        "category": "BUSINESS ENHANCED",
        "type": "DEBIT"
    },
    "last_successfully_used": null,
    "last_successfully_used_at": null,
    "preferred": null,
    "verify": {
        "vault_on_success": true,
        "currency": "BRL",
        "payment": {
            "id": "0aacd66c-6933-4827-813f-8d76637f874d",
            "account_id": "493e9374-510a-4201-9e09-de669d75f256",
            "description": "VERIFY CARD",
            "country": "BR",
            "status": "SUCCEEDED",
            "sub_status": "VERIFIED",
            "merchant_order_id": "VERIFY_CARD_5d4d8b95-c6f8-4336-b051-9eb06a436139",
            "created_at": "2024-01-31T14:47:39.717571Z",
            "updated_at": "2024-01-31T14:47:41.617945Z",
            "amount": {
                "currency": "BRL",
                "value": 0,
                "refunded": 0,
                "captured": 0
            },
            "transactions": [
                {
                    "id": "ead4ed19-5998-4b40-9910-d2dfe25b9fe0",
                    "type": "VERIFY",
                    "status": "SUCCEEDED",
                    "response_code": "SUCCEEDED",
                    "response_message": "Transaction successful",
                    "category": "CARD",
                    "merchant_reference": "VERIFY_CARD_5d4d8b95-c6f8-4336-b051-9eb06a436139",
                    "provider_data": {
                        "id": "CIELO",
                        "transaction_id": "",
                        "account_id": "",
                        "status": "true",
                        "sub_status": "",
                        "status_detail": "",
                        "response_message": "Transacao autorizada",
                        "response_code": null,
                        "raw_response": {
                            "ReturnCode": "00",
                            "ReturnMessage": "Transacao autorizada",
                            "Valid": true
                        },
                        "third_party_transaction_id": null,
                        "third_party_account_id": null
                    },
                    "created_at": "2024-01-31T14:47:39.827470Z",
                    "updated_at": "2024-01-31T14:47:41.567732Z"
                }
            ]
        }
    }
}
Verification Feature AvailabilityThe verify feature at the enrollment is only available for PCI-compliant merchants when using the Direct integration.

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Verify the card at the payment

If you want to verify the card using a payment operation, you need to fulfill two requirements:
  • Inform amount.value=0.
  • Add verify = true inside of the payment_method.detail.card. object.
Following the above instructions, the resulting operation won’t result in any charges for your client.

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SDK integration

The code block below presents an example of card verification using the payment operation for an SDK integration.
Request
{
    "description": "Test Cards",
    "account_id": "493e9374-510a-4201-9e09-de669d75f256",
    "merchant_order_id": "0000022",
    "merchant_reference": "Test Payment",
    "country": "DE",
    "amount": {
        "currency": "EUR",
        "value": 0
    },
    "checkout": {
        "session": "5752d02a-64d2-4953-b8f7-defff1e1b7e6"
    },
    "customer_payer": {
        "id": "9d58f32a-1ec9-4092-94b2-6725363ab447"
    },
    "payment_method": {
        "token": "2c37e3b7-8b06-4e8b-a212-334d7c77e349",
        "detail": {
            "card": {
                "verify":true
            }
        }
    }
}
Response
{
    "id": "47646d8b-1f99-4097-9df2-3097bf318bb9",
    "account_id": "493e9374-510a-4201-9e09-de669d75f256",
    "description": "Test Cards",
    "country": "BR",
    "status": "SUCCEEDED",
    "sub_status": "VERIFIED",
    "merchant_order_id": "0000022",
    "created_at": "2024-01-31T15:19:03.599525Z",
    "updated_at": "2024-01-31T15:19:06.992590Z",
    "amount": {
        "captured": 0,
        "currency": "BRL",
        "refunded": 0,
        "value": 0
    },
    "checkout": {
        "session": "5752d02a-64d2-4953-b8f7-defff1e1b7e6",
        "sdk_action_required": false
    },
    "payment_method": {
        "vaulted_token": "1f275d9f-a60a-4643-a5b0-ae6e40019fd1",
        "type": "CARD",
        "vault_on_success": true,
        "token": "2c37e3b7-8b06-4e8b-a212-334d7c77e349",
        "payment_method_detail": {
            "card": {
                "verify": true,
                "capture": true,
                "installments": 1,
                "installments_plan_id": null,
                "installments_total_amount": null,
                "first_installment_deferral": 0,
                "installments_type": "MERCHANT",
                "installment_amount": null,
                "soft_descriptor": "",
                "authorization_code": "",
                "retrieval_reference_number": "",
                "voucher": null,
                "card_data": {
                    "holder_name": "Pepito Perez2",
                    "iin": "49880800",
                    "lfd": "0000",
                    "number_length": 16,
                    "security_code_length": 3,
                    "brand": "VISA",
                    "issuer_name": "DEUTSCHE BANK AG INDIA",
                    "issuer_code": null,
                    "category": "BUSINESS ENHANCED",
                    "type": "DEBIT",
                    "three_d_secure": {
                        "version": null,
                        "electronic_commerce_indicator": null,
                        "cryptogram": null,
                        "transaction_id": null,
                        "directory_server_transaction_id": null,
                        "pares_status": null,
                        "acs_id": null
                    }
                }
            }
        }
    },
    "customer_payer": {
        "id": "9d58f32a-1ec9-4092-94b2-6725363ab447",
        "merchant_customer_id": "1706712254",
        "first_name": "Fernando",
        "last_name": "Iglesias",
        "gender": "",
        "date_of_birth": null,
        "email": "Anastasia.Kirlin16@yahoo.com",
        "nationality": null,
        "ip_address": "181.117.11.229",
        "device_fingerprint": null,
        "browser_info": {
            "user_agent": "",
            "accept_header": "",
            "accept_content": null,
            "accept_browser": null,
            "color_depth": "",
            "screen_height": "",
            "screen_width": "",
            "javascript_enabled": null,
            "java_enabled": null,
            "browser_time_difference": null,
            "language": ""
        },
        "document": {
            "document_type": "DNI",
            "document_number": "38799992"
        },
        "phone": null,
        "billing_address": null,
        "shipping_address": null
    },
    "additional_data": null,
    "taxes": null,
    "transactions": {
        "id": "9be01510-afab-450a-86cc-916d0d4cd8a5",
        "type": "VERIFY",
        "status": "SUCCEEDED",
        "category": "CARD",
        "amount": 0,
        "provider_id": "CIELO",
        "payment_method": {
            "vaulted_token": "1f275d9f-a60a-4643-a5b0-ae6e40019fd1",
            "type": "CARD",
            "vault_on_success": true,
            "token": "2c37e3b7-8b06-4e8b-a212-334d7c77e349",
            "detail": {
                "card": {
                    "verify": true,
                    "capture": true,
                    "installments": 1,
                    "installments_plan_id": null,
                    "installments_total_amount": null,
                    "first_installment_deferral": 0,
                    "installments_type": "MERCHANT",
                    "installment_amount": null,
                    "soft_descriptor": "",
                    "authorization_code": "",
                    "retrieval_reference_number": "",
                    "voucher": null,
                    "card_data": {
                        "holder_name": "Pepito Perez2",
                        "iin": "49880800",
                        "lfd": "0000",
                        "number_length": 16,
                        "security_code_length": 3,
                        "brand": "VISA",
                        "issuer_name": "DEUTSCHE BANK AG INDIA",
                        "issuer_code": null,
                        "category": "BUSINESS ENHANCED",
                        "type": "DEBIT",
                        "three_d_secure": {
                            "version": null,
                            "electronic_commerce_indicator": null,
                            "cryptogram": null,
                            "transaction_id": null,
                            "directory_server_transaction_id": null,
                            "pares_status": null,
                            "acs_id": null
                        }
                    }
                }
            }
        },
        "response_code": "SUCCEEDED",
        "response_message": "Transaction successful",
        "reason": null,
        "description": "Test Cards",
        "merchant_reference": "Pago de test 001",
        "provider_data": {
            "id": "CIELO",
            "transaction_id": "",
            "account_id": "",
            "status": "true",
            "sub_status": "",
            "status_detail": "",
            "response_message": "Transacao autorizada",
            "response_code": "SUCCEEDED",
            "raw_response": {
                "ReturnCode": "00",
                "ReturnMessage": "Transacao autorizada",
                "Valid": true
            },
            "third_party_transaction_id": "",
            "third_party_account_id": ""
        },
        "created_at": "2024-01-31T15:19:03.704095Z",
        "updated_at": "2024-01-31T15:19:06.639476Z"
    },
    "split": [],
    "callback_url": "https://google.com/?checkoutSession=5752d02a-64d2-4953-b8f7-defff1e1b7e6",
    "workflow": "SDK_CHECKOUT",
    "metadata": [],
    "fraud_screening": null,
    "payment_link_id": "",
    "subscription_code": null
}

​
Direct Integration

The code block below presents an example of card verification using the payment operation for a Direct integration.
Request
{
    "description": "SUCCESSFUL",
    "account_id": "{{account-code}}",
    "merchant_order_id": "0000023",
    "country": "DE",
    "merchant_reference" : "reference-{{$randomUUID}}",
    "amount": {
        "currency": "EUR",
        "value": 0
    },
    "customer_payer": {
        "first_name": "John",
        "last_name": "Smith",
        "merchant_customer_id": "example00234"
    },
    "workflow": "DIRECT",
    "payment_method": {
        "type": "CARD",
        "detail": {
            "card": {
                "capture": true,
                "verify":true,
                "card_data": {
                    "number": "4988080000000000",
                    "holder_name": "JOHN SMITH",
                    "expiration_month": 10,
                    "expiration_year": 24,
                    "security_code": "456"
                }
            }
        }
    }
}
Response
{
    "id": "bcb42b81-c729-48cb-b782-1a0b6b706b31",
    "account_id": "493e9374-510a-4201-9e09-de669d75f256",
    "description": "SUCCESSFUL",
    "country": "CO",
    "status": "SUCCEEDED",
    "sub_status": "VERIFIED",
    "merchant_order_id": "0000023",
    "created_at": "2024-01-31T15:07:04.513703Z",
    "updated_at": "2024-01-31T15:07:06.573556Z",
    "amount": {
        "captured": 0,
        "currency": "COP",
        "refunded": 0,
        "value": 0
    },
    "checkout": {
        "session": "",
        "sdk_action_required": false
    },
    "payment_method": {
        "vaulted_token": "",
        "type": "CARD",
        "vault_on_success": false,
        "token": "",
        "payment_method_detail": {
            "card": {
                "verify": true,
                "capture": true,
                "installments": 1,
                "installments_plan_id": null,
                "installments_total_amount": null,
                "first_installment_deferral": 0,
                "installments_type": "MERCHANT",
                "installment_amount": null,
                "soft_descriptor": "",
                "authorization_code": "",
                "retrieval_reference_number": "",
                "voucher": null,
                "card_data": {
                    "holder_name": "JOHN DOE",
                    "iin": "49880800",
                    "lfd": "0000",
                    "number_length": 16,
                    "security_code_length": 3,
                    "brand": "VISA",
                    "issuer_name": "DEUTSCHE BANK AG INDIA",
                    "issuer_code": null,
                    "category": "BUSINESS ENHANCED",
                    "type": "DEBIT",
                    "three_d_secure": {
                        "version": null,
                        "electronic_commerce_indicator": null,
                        "cryptogram": null,
                        "transaction_id": null,
                        "directory_server_transaction_id": null,
                        "pares_status": null,
                        "acs_id": null
                    }
                }
            }
        }
    },
    "customer_payer": {
        "id": null,
        "merchant_customer_id": "example00234",
        "first_name": "Pepito",
        "last_name": "Perez",
        "gender": null,
        "date_of_birth": null,
        "email": null,
        "nationality": null,
        "ip_address": null,
        "device_fingerprint": null,
        "browser_info": {
            "user_agent": "",
            "accept_header": "",
            "accept_content": null,
            "accept_browser": null,
            "color_depth": "",
            "screen_height": "",
            "screen_width": "",
            "javascript_enabled": null,
            "java_enabled": null,
            "browser_time_difference": null,
            "language": ""
        },
        "document": {
            "document_type": "CC",
            "document_number": "38799999"
        },
        "phone": null,
        "billing_address": null,
        "shipping_address": null
    },
    "additional_data": null,
    "taxes": null,
    "transactions": {
        "id": "f0da4c61-0c39-493b-a274-16d204fefad9",
        "type": "VERIFY",
        "status": "SUCCEEDED",
        "category": "CARD",
        "amount": 0,
        "provider_id": "CIELO",
        "payment_method": {
            "vaulted_token": "",
            "type": "CARD",
            "vault_on_success": false,
            "token": "",
            "detail": {
                "card": {
                    "verify": true,
                    "capture": true,
                    "installments": 1,
                    "installments_plan_id": null,
                    "installments_total_amount": null,
                    "first_installment_deferral": 0,
                    "installments_type": "MERCHANT",
                    "installment_amount": null,
                    "soft_descriptor": "",
                    "authorization_code": "",
                    "retrieval_reference_number": "",
                    "voucher": null,
                    "card_data": {
                        "holder_name": "JOHN DOE",
                        "iin": "49880800",
                        "lfd": "0000",
                        "number_length": 16,
                        "security_code_length": 3,
                        "brand": "VISA",
                        "issuer_name": "DEUTSCHE BANK AG INDIA",
                        "issuer_code": null,
                        "category": "BUSINESS ENHANCED",
                        "type": "DEBIT",
                        "three_d_secure": {
                            "version": null,
                            "electronic_commerce_indicator": null,
                            "cryptogram": null,
                            "transaction_id": null,
                            "directory_server_transaction_id": null,
                            "pares_status": null,
                            "acs_id": null
                        }
                    }
                }
            }
        },
        "response_code": "SUCCEEDED",
        "response_message": "Transaction successful",
        "reason": null,
        "description": "SUCCESSFUL",
        "merchant_reference": "reference-d3286de8-0c0b-4681-b29c-0a82a67de8ba",
        "provider_data": {
            "id": "CIELO",
            "transaction_id": "",
            "account_id": "",
            "status": "true",
            "sub_status": "",
            "status_detail": "",
            "response_message": "Transacao autorizada",
            "response_code": "SUCCEEDED",
            "raw_response": {
                "ReturnCode": "00",
                "ReturnMessage": "Transacao autorizada",
                "Valid": true
            },
            "third_party_transaction_id": "",
            "third_party_account_id": ""
        },
        "created_at": "2024-01-31T15:07:04.628781Z",
        "updated_at": "2024-01-31T15:07:06.512878Z"
    },
    "split": [],
    "workflow": "DIRECT",
    "metadata": [],
    "fraud_screening": null,
    "payment_link_id": "",
    "subscription_code": null
}
ImportantThe verify feature at the payment is only available for PCI-compliant merchants when using the Direct integration.