# JPMC-PDP Documentation from https://developer.payments.jpmorgan.com

# Verify a payment method

In this guide, learn how to verify a payment method prior to use without holding funds from the consumer’s account.

## Before you begin

Payment verification is not available for all payment methods. Refer to the **Notes **column in the table of the [Payment methods overview](/docs/commerce/online-payments/capabilities/online-payments/payment-methods/index) page for additional information.

Determine what you need to verify:

- Payment account validation — does the card exist and is it active?

- Card address (AVS) validation — does the address provided match?

- Card CVV validation — does the CVV provided match?

- Card email validation (American Express only) — does the email address provided match?

- Card phone number validation (American Express only) — does the phone number provided match?

The following table represents the minimum requirements of a simple card verification request:

 
**card verification**

| Parameter | Description | 
| --- | --- | 
| merchant | Merchant information that includes the following: - merchantSoftware - companyName - productName | 
| currency | Identifies the currency for the amount fields. This is the 3 character ISO 4217 currency code. | 
| paymentMethodType | The method of payment used for a transaction. | 
| card | The card payment instrument used for a transaction. | 
| accountNumber | The card number used for a transaction. | 
| expiry | The expiration date associated with the provided account number. | 
| month | The month when the card expires. | 
| year | The year when the card expires. | 

> Verification for ACH is available in the US. More information about card verifications including regions and applicable cards can be found in the [regional card support](/docs/commerce/online-payments/capabilities/online-payments/payment-methods/cards/regional-card-support) section.
> 

## Verify a card

Validate a consumer’s payment account and determine if the account number is in good standing.

> You can verify a card, PAN, token, and wallet.
> 

The following example shows the required fields for a card verification request:  

**HTTP method**: `POST`
 **Endpoint**: `/verifications`  

```json
{
    "merchant": {
        "merchantSoftware": {
            "companyName": "Payment Company",
            "productName": "Application Name"
        }
    },
    "currency": "USD",
    "paymentMethodType": {
        "card": {
            "accountNumber": "4012000033330026",
            "expiry": {
                "month": "5",
                "year": "2027"
            }
        }
    }
}
```

Response:

```json
{
    "transactionId": "722bb5fd-7c27-442e-a9da-3f8a3c15b468",
    "requestId": "fc90352e-ebeb-4b19-8621-d439cf27cd07",
    "currency": "USD",
    "responseStatus": "SUCCESS",
    "responseCode": "APPROVED",
    "responseMessage": "Transaction approved by Issuer",
    "hostMessage": "Transaction accepted",
    "paymentMethodType": {
        "card": {
            "cardTypeName": "VISA",
            "cardType": "VI",
            "maskedAccountNumber": "401200XXXXXX0026",
            "cardTypeIndicators": {
                "issuanceCountryCode": "USA",
                "isLevel3Eligible": false,
                "isDurbinRegulated": false
            },
            "networkResponse": {
                "addressVerificationResult": "NOT_REQUESTED",
                "networkTransactionId": "013228692165455"
            }
        }
    },
    "merchant": {
        "merchantId": "000017904371",
        "merchantSoftware": {
            "companyName": "Payment Company",
            "productName": "Application Name",
            "version": "1.235"
        },
        "merchantCategoryCode": "4899"
    },
    "transactionDate": "2023-08-16T23:30:43.033Z",
    "initiatorType": "CARDHOLDER",
    "accountOnFile": "NOT_STORED",
    "hostReferenceId": "r8dnofa5dUdnWWiwQuGYC",
    "approvalCode": "tst262"
}
```

An HTTP status of `200`** **indicates a successful response. The following fields indicate result:

- responseStatus

- responseCode

- responseMessage

> Refer to [Online payments response codes](/api/commerce/online-payments/online-payments/error-codes) for more information on these fields.
> 

### AVS details

To verify card AVS details, include the following fields in addition to the required fields above:

- accountHolder.billingAddress.line1

- accountHolder.billingAddress.line2

- accountHolder.billingAddress.city

- accountHolder.billingAddress.state

- accountHolder.billingAddress.postalCode

- accountHolder.billingAddress.countryCode

For AVS validation, the following fields indicate result:

- addressVerificationResult

- addressVerificationResultCode

### CVV details

To verify card CVV details, include the following fields in addition to the required fields above:

- paymentMethodType.card.cvv

For CVV validation, the following fields indicate result:

- cardVerificationResult

- cardVerificationResultCode

### Email details

To verify card `accountHolder` email details (American Express only), include the following fields in addition to the required fields above:  

- accountHolder.email

For card email validation, the following fields indicate result:

- emailVerificationResult

- emailVerificationResultCode

### Phone details

To verify card `accountHolder` phone details (American Express only), include the following fields in addition to the required fields above:

- accountHolder.phone.countryCode

- accountHolder.phone.phoneNumber

For card phone number validation, the following fields indicate result:

- phoneVerificationResult

- phoneVerificationResultCode

## Retrieve verification details

After making a verification request, you can review the verification details. Complete the following steps to retrieve verification details:

Send a `GET` request to the `/verifications` endpoint one of two ways:

1. Use the requestId returned in the original response as a query parameter in a new GET request.

2. Use the transactionId returned in the original response as a path parameter in a new GET request.

## Related

[Authorize and capture a payment](/docs/commerce/online-payments/capabilities/online-payments/how-to/auth-and-capture-payment)
 [Update a payment](/docs/commerce/online-payments/capabilities/online-payments/how-to/update-a-payment)
 [Refund a payment](/docs/commerce/online-payments/capabilities/online-payments/how-to/refund-payment)
 [Online Payments response codes](/api/commerce/online-payments/online-payments/error-codes)