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General information

Card verification is a feature that validates the customer's payment card, checking its validity and absence from blacklists before processing the payment.

Interaction format:

  1. A customer enters their payment card data on the checkout, which includes card number, expiration date, and CVV/CVC.
  2. Verification takes place via the lookup type of transactions. The customer receives a one-time password in an SMS or their bank application and enters it in the corresponding field.
  3. You receive the result of the card verification check:
    • If the verification is successful, you receive a card token, which can be used to create a transaction via the direct API integration.
    • If the customer fails to pass verification, a card token is not created. This may indicate an error when entering card data or an attempt at fraud using payment cards, requiring your additional attention.


Payment card verification transactions have the "Lookup" type and are displayed with this value in the merchant portal.


Primary transactions (purchase, auth, credit, lookup, P2P) must have a unique order ID. In case the selected order ID is already set for another transaction, an error will be received when creating the order.

Initiating payment card verification