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.
➥ 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. Visit the Viva.com Pricing page. Select Online payments, then find Card Verification (with Zero Amount) under Other Fees.
➥ 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.