An account verification also known as a zero value authorization is a request to check whether a card account is in good standing (i.e. the card is not stolen and the card account can be used for payments).
3DS and Account Verification
Please note that if an account verification (i.e. AccVerify=Yes) in combination with 3DS is requested the authorization will be always performed with a zero-value. The authentication however will be carried out with the amount correspondent to the value submitted in the
Amount field. If the transferred
Amount is a zero-value the related liability shift will be also for a zero amount.
Credential on File
Please note that non-payment transactions that establish a
credentialOnFile (aka Card Add) require an account verification.
Standalone Account Verification
If you request an account verification without adding a card on file the data element
browserInfo becomes optional for Server-2-Server and Silent Order Post integrations. Other conditional data elements might also be not applicable.