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Account checks

 

An ACCOUNTCHECK request allows a card to be validated by checking the cardholder’s first line of address, the cardholder’s postcode and the security code, to ensure the details entered by the customer are valid. Click here to learn more about the checks performed.

 

Requirements

Info
In order to reduce fraud, Visa has mandated that all merchants with a Merchant Category Code (MCC) of 6012 are required to send additional fields in AUTH and ACCOUNTCHECK requests. Click here for further information.

 

Failure to submit these fields will result in a “60025” (Invalid request) error being returned in the response.

 

Update your payment form

You can update your payment form to instruct our JavaScript library to process an Account check prior to performing a standard transaction. This is done by specifying custom requestTypes, as shown in the example below:

<html>
<head>
</head>
<body>
  <div id="st-notification-frame"></div>
  <form id="st-form" action="https://www.example.com" method="POST">
    <div id="st-card-number" class="st-card-number"></div>
    <div id="st-expiration-date" class="st-expiration-date"></div>
    <div id="st-security-code" class="st-security-code"></div>
    <button type="submit" id="st-form__submit" class="st-form__submit">
      Pay securely
    </button>
  </form>
 <script src=<DOMAIN>/js/v2/st.js></script>
 <script> 
  (function() {
   var st = SecureTrading({  
    jwt: 'INSERT YOUR JWT HERE'
    });  
   st.Components({"requestTypes":["ACCOUNTCHECK","THREEDQUERY","AUTH"]}); 
  })(); 
 </script>
</body>
</html>

Replace <DOMAIN> with a supported domain. Click here for a full list.

 

Testing

 

Use the credentials provided on this page to test your solution.

When you sign up, you will be provided with a “live” account and a “test” account (the latter is prefixed with “test_”).
When testing, ensure requests submitted to Trust Payments reference your test sitereference.

Warning
It is important to thoroughly test your integration using your test sitereference before processing live payments.

Info

Before you begin testing…

Please be aware of the following notes:

 

  • Most fields submitted to our test system will be accepted. Any data breaching its defined specification will return an error message.
  • Any test data that generates a successful response when submitted while a merchant is in test mode, will produce a declined response when a merchant is switched into live mode. In some cases, the test data may return an error response.
  • Our test system attempts to simulate responses in a similar fashion to the live system. However, depending on your acquirer you may find some responses differ slightly from those given by the test system.
  • In the interest of security, we recommend against using real payment details when using your test account.
  • We recommend specifying the main amount “10.50” when testing. Other amounts can be used but may return unexpected responses.
  • For those using Payment Pages, if you’re unsure where to start with your testing, you may find this resource helpful.

 

 

Test card details

The table below lists test card numbers and customer information that can be submitted to our test bank, along with the responses that should be expected in return.

Warning
Do not use these credentials when processing transactions on your live site reference.
Info
While testing, all card types are supported, but when using your live account, you will receive an error if you do not have a valid merchant number for the payment type submitted.

 

 

3-D Secure v2

The following payment credentials can be used for testing 3-D Secure v2 (a form of SCA):

 

(3DSv2) Test Case 1: Successful Frictionless 3-D Secure Authentication & Successful Authorisation
Card type PAN Handling the response
AMEX 340000000001007 THREEDQUERY
Enrolled: Y
Status: Y
AUTH
Error code: 0 – Ok
DINERS / DISCOVER 6011000000001002
JCB 3337000000000008
MASTERCARD 5200000000001005
VISA (3-D Secure v2.1.0) 4000000000001000
VISA (3-D Secure v2.2.0) 4000000000002701

 

(3DSv2) Test Case 2: Failed Frictionless 3-D Secure Authentication & Failed Authorisation
Card type PAN Handling the response
AMEX 340000000001015 THREEDQUERY
Enrolled: Y
Status: N
AUTH
Error code: 60022 – Unauthenticated
DINERS / DISCOVER 6011000000001010
JCB 3337000000000990
MASTERCARD 5200000000001013
VISA (3-D Secure v2.1.0) 4000000000001018
VISA (3-D Secure v2.2.0) 4000000000002925

 

(3DSv2) Test Case 3: Attempts Stand-In Frictionless 3-D Secure Authentication & Successful Authorisation
Card type PAN Handling the response
AMEX 340000000001023 THREEDQUERY
Enrolled: Y
Status: A
AUTH
Error code: 0 -Ok
DINERS / DISCOVER 6011000000001028
JCB 3337000000007045
MASTERCARD 5200000000001021
VISA (3-D Secure v2.1.0) 4000000000001026
VISA (3-D Secure v2.2.0) 4000000000002719

 

(3DSv2) Test Case 4: Unavailable Frictionless 3-D Secure Authentication from the Issuer & Successful Authorisation
Card type PAN Handling the response
AMEX 340000000001031 THREEDQUERY
Enrolled: Y
Status: U
AUTH
Error code: 0 – Ok
DINERS / DISCOVER 6011000000001036
JCB 3337000000000735
MASTERCARD 5200000000001039
VISA (3-D Secure v2.1.0) 4000000000001034
VISA (3-D Secure v2.2.0) 4000000000002313

 

(3DSv2) Test Case 5: Rejected Frictionless 3-D Secure Authentication by the Issuer & Failed Authorisation
Card type PAN Handling the response
AMEX 340000000001049 THREEDQUERY
Enrolled: Y
Status: R
AUTH
Error code: 60022 – Unauthenticated
DINERS / DISCOVER 6011000000001044
JCB 3337000000000321
MASTERCARD 5200000000001047
VISA (3-D Secure v2.1.0) 4000000000001042
VISA (3-D Secure v2.2.0) 4000000000002537

 

(3DSv2) Test Case 6: 3-D Secure Authentication Not Available on Lookup & Successful Authorisation
Card type PAN Handling the response
AMEX 340000000001056 THREEDQUERY
Enrolled: U
Status: None
AUTH
Error code: 0 – Ok
DINERS / DISCOVER 6011000000001051
JCB 3337000000006765
MASTERCARD 5200000000001054
VISA (3-D Secure v2.1.0) 4000000000001059
VISA (3-D Secure v2.2.0) 4000000000002990

 

(3DSv2) Test Case 7: Error on Lookup & Successful Authorisation
Card type PAN Handling the response
AMEX 340000000001064 THREEDQUERY
Enrolled: U
Status: None
AUTH
Error code: 0 – Ok
DINERS / DISCOVER 6011000000001069
JCB 3337000000000016
MASTERCARD 5200000000001062
VISA (3-D Secure v2.1.0) 4000000000001067
VISA (3-D Secure v2.2.0) 4000000000002446

 

(3DSv2) Test Case 8: Timeout on cmpi_lookup Transaction & Successful Authorisation
Card type PAN Handling the response
AMEX 340000000001072 THREEDQUERY
Enrolled: U
Status: None
AUTH
Error code: 0 – Ok
DINERS / DISCOVER 6011000000001077
JCB 3337000000000081
MASTERCARD 5200000000001070
VISA (3-D Secure v2.1.0) 4000000000001075
VISA (3-D Secure v2.2.0) 4000000000002354

 

(3DSv2) Test Case 9: Successful Step Up 3-D Secure Authentication & Successful Authorisation
Card type PAN Handling the response
AMEX 340000000001098 THREEDQUERY
Enrolled: Y
Status: C
AUTH
Error code: 0 – Ok
DINERS / DISCOVER 6011000000001093
JCB 3337000000200004
MASTERCARD 5200000000001096
VISA (3-D Secure v2.1.0) 4000000000001091
VISA (3-D Secure v2.2.0) 4000000000002503

 

(3DSv2) Test Case 10: Failed Step Up 3-D Secure Authentication & No Authorisation
Card type PAN Handling the response
AMEX 340000000001106 THREEDQUERY
Enrolled: Y
Status: C
AUTH
Not performed
DINERS / DISCOVER 6011000000001101
JCB 3337000000200087
MASTERCARD 5200000000001104
VISA (3-D Secure v2.1.0) 4000000000001109
VISA (3-D Secure v2.2.0) 4000000000002370

 

(3DSv2) Test Case 11: Step Up 3-D Secure Authentication is Unavailable & Successful Authorisation
Card type PAN Handling the response
AMEX 340000000001114 THREEDQUERY
Enrolled: Y
Status: C
AUTH
Error code: 0 – Ok
DINERS / DISCOVER 6011000000001119
JCB 3337000000200079
MASTERCARD 5200000000001112
VISA (3-D Secure v2.1.0) 4000000000001117
VISA (3-D Secure v2.2.0) 4000000000002420

 

(3DSv2) Test Case 12: Error on 3-D Secure Authentication & No Authorisation
Card type PAN Handling the response
AMEX 340000000001122 THREEDQUERY
Enrolled: Y
Status: C
AUTH
Not performed
DINERS / DISCOVER 6011000000001127
JCB 3337000000200046
MASTERCARD 5200000000001120
VISA (3-D Secure v2.1.0) 4000000000001125
VISA (3-D Secure v2.2.0) 4000000000002644

 

(3DSv2) Test Case 13: Bypassed 3-D Secure Authentication & Successful Authorisation
Card type PAN Handling the response
AMEX 340000000001080 THREEDQUERY
Enrolled: B
Status: None
AUTH
Error code: 0 – Ok
DINERS / DISCOVER 6011000000001085
JCB 3337000000000537
MASTERCARD 5200000000001088
VISA (3-D Secure v2.1.0) 4000000000001083
VISA (3-D Secure v2.2.0) 4000000000002560

 

3-D Secure v1

The following payment credentials can be used for testing 3-D Secure v1 (a form of SCA):

 

(3DSv1) Test Case 1: Successful 3-D Secure Authentication & Successful Authorisation
Card type PAN Handling the response
AMEX 340000000003961 THREEDQUERY
Enrolled: Y
Status: None
AUTH
Error code: 0 – Ok
DINERS 3005000000006246
DISCOVER 6011000000000004
JCB 3520000000000922
MASTERCARD 5200000000000007
VISA 4000000000000002

 

(3DSv1) Test Case 2: Failed Signature & No Authorisation
Card type PAN Handling the response
AMEX 340000000006022 THREEDQUERY
Enrolled: Y
Status: None
AUTH
Not performed
DINERS 3005000000004373
DISCOVER 6011000000000012
JCB 3520000000002811
MASTERCARD 5200000000000015
VISA 4000000000000010

 

(3DSv1) Test Case 3: Failed Authentication & No Authorisation
Card type PAN Handling the response
AMEX 340000000000033 THREEDQUERY
Enrolled: Y
Status: None
AUTH
Not performed
DINERS 3005000000005925
DISCOVER 6011000000000020
JCB 3520000000009931
MASTERCARD 5200000000000023
VISA 4000000000000028

 

(3DSv1) Test Case 4: Attempts/Non-Participating & Successful Authorisation
Card type PAN Handling the response
AMEX 340000000003391 THREEDQUERY
Enrolled: Y
Status: A
AUTH
Error code: 0 – Ok
DINERS 3005000000005271
DISCOVER 6011000000000038
JCB 3520000000004767
MASTERCARD 5200000000000908
VISA 4000000000000101

 

(3DSv1) Test Case 6: Not Enrolled & Successful Authorisation
Card type PAN Handling the response
AMEX 340000000008135 THREEDQUERY
Enrolled: N
Status: None
AUTH
Error code: 0 – Ok
DINERS 3005000000007269
DISCOVER 6011000000000053
JCB 3520000000006903
MASTERCARD 5200000000000056
VISA 4000000000000051

 

(3DSv1) Test Case 7: Unavailable & Successful Authorisation
Card type PAN Handling the response
AMEX 340000000007780 THREEDQUERY
Enrolled: U
Status: None
AUTH
Error code: 0 – Ok
DINERS 3005000000006030
DISCOVER 6011000000000061
JCB 3520000000002423
MASTERCARD 5200000000000064
VISA 4000000000000069

 

(3DSv1) Test Case 8: Merchant Not Active & Successful Authorisation
Card type PAN Handling the response
AMEX 340000000008416 THREEDQUERY
Enrolled: U
Status: None
AUTH
Error code: 0 – Ok
DINERS 3005000000004837
DISCOVER 6011000000000079
JCB 3520000000006549
MASTERCARD 5200000000000072
VISA 4000000000000077

 

(3DSv1) Test Case 9: cmpi_lookup error & Successful Authorisation
Card type PAN Handling the response
AMEX 340000000006337 THREEDQUERY
Enrolled: U
Status: None
AUTH
Error code: 0 – Ok
DINERS 3005000000009877
DISCOVER 6011000000000087
JCB 3520000000002175
MASTERCARD 5200000000000080
VISA 4000000000000085

 

(3DSv1) Test Case 10: cmpi_authenticate error & No Authorisation
Card type PAN Handling the response
AMEX 340000000009299 THREEDQUERY
Enrolled: Y
Status: None
AUTH
Not performed
DINERS 3005000000005602
DISCOVER 6011000000000095
JCB 3520000000006861
MASTERCARD 5200000000000098
VISA 4000000000000093

 

(3DSv1) Test Case 11: Authentication Unavailable & Successful Authorisation
Card type PAN Handling the response
AMEX 340000000000116 THREEDQUERY
Enrolled: Y
Status: None
AUTH
Error code: 0 – Ok
DINERS 3005000000007376
DISCOVER 6011000000000103
JCB 3520000000005780
MASTERCARD 5200000000000031
VISA 4000000000000036

 

(3DSv1) Test Case 12: Bypassed Authentication & Successful Authorisation
Card type PAN Handling the response
AMEX 340099000000001 THREEDQUERY
Enrolled: B
Status: None
AUTH
Error code: 0 – Ok
DINERS 3000990000000006
DISCOVER 6011990000000006
JCB 3500990000000001
MASTERCARD 5200990000000009
VISA 4000990000000004

 

 

3-D Secure status testing

To test for different 3-D Secure status values, follow the instructions displayed in the authentication prompt shown on the page (an example is shown below). In the textbox provided, you can enter different PIN values to test for different cases.

URL
Displaying the test ACS page

 

For Payment Pages:

With 3-D Secure enabled on your site reference, process a payment using one of the card numbers listed above and your browser will display an authentication prompt with instructions.

 

For JavaScript Library implementations:

After your payment form has been updated to reference our JavaScript library, process a payment using one of the card numbers listed above and your browser will display an authentication prompt with instructions.

 

For Mobile SDK implementations:

After your Android or iOS app has been updated to utilise our Mobile SDK, process a payment using one of the card numbers listed above and your app will display an authentication prompt with instructions.

 

The authentication prompt will only be displayed for non-frictionless test card details.

Frictionless cards will bypass authentication. In this case, the payment will be processed immediately (without being prompted by the browser for information).

 

 

Follow the instructions displayed within the authentication prompt to complete the payment:

 

 

Info
When the status is “N”, indicating the customer failed authentication, the errorcode “60022” will be returned.

 

 

Testing AVS and security code checks

If you haven’t already, please read our AVS and Security code documentation before testing:
Link to Payment Pages docs / Link to API docs

The following tables list test details that can be submitted to obtain different responses from the AVS and Security Code Checks. These details can be used with most major payment types.

Info
Only the billing premise, billing postcode and security code field values dictate the outcome of the AVS and security code checks performed. As such, entering any details into the other address fields will not affect the outcome of these checks.

 

Premise

Billing premise Security response Security response caption
No 789 2 Matched
No 123 4 Not Matched
No 333 1 Not Checked
Leave blank 0 Not Given

 

Postcode / ZIP code

Billing postcode Security response Security response caption
UK US
TE45 6ST 55555 2 Matched
TE12 3ST 12345 4 Not Matched
TE33 3ST 33333 1 Not Checked
Leave blank Leave blank 0 Not Given

 

Security code

Security code AMEX security code Security response Security response
123 1234 2 Matched
214 2144 4 Not Matched
333 3333 1 Not Checked
Leave blank Leave blank 0 Not Given

 

 

 

Testing non-card payment methods

URL
The procedure to follow when testing non-card payment methods will vary. For the most relevant testing information, please refer to the documentation provided for the specific payment method:
Link to Payment Pages docs / Link to Webservices API docs

 

 

Testing recurring payments

Testing for the acquirer advice code

When processing recurring payments, some acquirers may return an acquirer advice code in the response. The acquirer advice code is a numeric value used to indicate if further recurring payments can be processed for the given card.

Code Description Action
0 N/A No action required
1 New account information available (Mastercard only) Query customer for updated payment details
2 Cannot approve at this time Try again later. If you are continuing to have difficulties, please contact your acquiring bank
4 Do not try again Do not process further recurring transactions
8 Payment blocked by card scheme

 

Where to find the acquirer advice code

 

How to test for different acquirer advice codes

You can test that your system responds appropriately to different acquirer advice codes by processing transactions with the following attributes:

Visa
Acquirer advice code returned Card number Base amount
0 4111111111111111 1050
2 4000000000000671 1002
4 4000000000000671 1004
8 4000000000000671 1008

 

PAYMENT MASTERCARD
Acquirer advice code ‘1’ can only be returned for recurring Mastercard transactions.
Mastercard
Acquirer advice code returned Card number Base amount
0 5100000000000511 1050
1 5100000000000271 1001
2 5100000000000271 1002
4 5100000000000271 1004
8 5100000000000271 1008

 

 

Testing Protect Plus

Please refer to the following resources when testing Protect Plus:

 

 

Testing DCC

Please refer to the following resources when testing DCC:

 

Using Account Check to verify customer’s details

 

Follow these instructions when using Account Checks to verify the customer’s details prior to processing a payment.

Info
If you are already processing e-commerce payments using our JavaScript Library, your existing solution can be updated to also submit Account Check requests with minimal changes to the mark-up. Click here to learn more.

 

 

Prerequisites

Warning
The following content assumes you have obtained the necessary PCI certification to process and submit sensitive cardholder data in the request to our Webservices API.

If you are unsure, please contact our Support Team for assistance.

Padlock
All businesses within the EEA (European Economic Area) are mandated to use 3-D Secure when processing e-commerce Account Checks, as part of the PSD2 mandate.

 

To process an e-commerce Account Check that is authenticated with 3-D Secure, you will need to utilise our JavaScript Library instead of the solution described below. Click here to get started.

 

The following content should only be utilised by merchants processing Account Checks that are Mail or Telephone Order (MOTO), Merchant Initiated Transactions (MIT), or using other workflows that are exempt from the PSD2 mandate.

Status attention
In order to reduce fraud, Visa has mandated that all merchants with a Merchant Category Code (MCC) of 6012 are required to send additional fields in AUTH and ACCOUNTCHECK requests.

 

Failure to submit these fields will result in a “60025” (Invalid request) error being returned in the response. Click here for further information.

Info
  • Account checks are only available for certain acquiring banks. Before you begin, please contact our Support Team and ensure your acquiring bank supports this functionality.
  • Account checks can only be performed for card-based payment methods.

 

 

Mandate considerations

Visa and Mastercard have mandated that you must obtain cardholder consent if storing card details for future use, and that these must be flagged at the time of the first authorisation, by submitting the credentialsonfile field in your requests. To do so, you will need to ensure the ACCOUNTCHECK request submitted includes the additional field credentialsonfile, with value set to “1”.

You must also flag any subsequent payments that are utilising previously-stored credentials, by including the credentialsonfile field in these requests with value set to “2”.

Click here to learn more about Credentials on File.

 

Checks performed

All Account Checks processed will perform checks on the cardholder’s first line of address, the cardholder’s postcode and the security code, to ensure the details entered by the customer are valid.

Click here to learn more about these checks.

 

 

Process overview

    1. Merchant submits ACCOUNTCHECK request.
    2. Trust Payments validates the request and contacts the bank.
    3. The acquiring bank will contact the card issuer to perform AVS and security code checks.
    4. Trust Payments receives results of the request and passes this back to the merchant.
    5. Merchant receives and interprets this response.

 

Warning
No funds are reserved by ACCOUNTCHECK requests

The customer’s account is not debited when an ACCOUNTCHECK request is performed.

Info
Similar to standard AUTH requests, AVS and Security Code Checks are performed on ACCOUNTCHECK requests. We recommend reading our documentation on these checks before proceeding.

 

 

ACCOUNTCHECK request

The fields required in an ACCOUNTCHECK request are the same as a standard AUTH request, except with the following differences:

 

Field specification

  Field Format Description
credentialsonfile
XPath: /operation/credentialsonfile		 Numeric (1) This must be set to “1”, to indicate the customer agreed for the payment credentials to be stored for future transactions. See below for further information.

 

About inheritance

You can submit any field that you can submit in an AUTH request and these will be inherited by any subsequent child requests. Click here to learn more.

 

The following is an example of an ACCOUNTCHECK request:

#!/usr/bin/python
import securetrading

stconfig = securetrading.Config()
stconfig.username = "[email protected]"
stconfig.password = "Password1^"
st = securetrading.Api(stconfig)

accountcheck= {
    "currencyiso3a": "GBP",
    "requesttypedescriptions": ["ACCOUNTCHECK"],
    "sitereference": "test_site12345",
    "baseamount": "0",
    "orderreference": "My_Order_123",
    "accounttypedescription": "MOTO",
    "pan": "4111111111111111",
    "expirydate": "12/2020",
    "securitycode": "123",
    "billingpremise": "789",
    "billingpostcode": "TE45 6ST",
    "credentialsonfile": "1"
}

strequest = securetrading.Request()
strequest.update(accountcheck)
stresponse = st.process(strequest) #stresponse contains the transaction response
<?php

if (!($autoload = realpath(__DIR__ . '/../../../autoload.php')) && !($autoload = realpath(__DIR__ . '/../vendor/autoload.php'))) {
  throw new Exception('Composer autoloader file could not be found.');
}
require_once($autoload);

$configData = array(
'username' => '[email protected]',
'password' => 'Password1^',
);

$requestData = array(
'currencyiso3a' => 'GBP',
'requesttypedescriptions' => array('ACCOUNTCHECK'),
'sitereference' => 'test_site12345',
'baseamount' => '0',
'orderreference' => 'My_Order_123',
'accounttypedescription' => 'MOTO',
'pan' => '4111111111111111',
'expirydate' => '12/2020',
'securitycode' => '123',
'billingpremise' => '789',
'billingpostcode' => 'TE45 6ST',
'credentialsonfile' => '1'
);

$api = \Securetrading\api($configData);
$response = $api->process($requestData);
var_dump($response->toArray());

?>
curl --user [email protected]:Password1^ <DOMAIN>/json/ -H "Content-type: application/json" -H "Accept: application/json" -X POST -d '{
"alias": "[email protected]",
"version": "1.00",
"request": [{
  "currencyiso3a": "GBP",
  "requesttypedescriptions": ["ACCOUNTCHECK"],
  "sitereference": "test_site12345",
  "baseamount": "0",
  "orderreference": "My_Order_123",
  "accounttypedescription": "MOTO",
  "pan": "4111111111111111",
  "expirydate": "12/2020",
  "securitycode": "123",
  "billingpremise": "789",
  "billingpostcode": "TE45 6ST",
  "credentialsonfile": "1"
}]}'
{"alias":"[email protected]","version":"1.00","request":[{"currencyiso3a":"GBP","requesttypedescriptions":["ACCOUNTCHECK"],"sitereference":"test_site12345","baseamount":"0","orderreference":"My_Order_123","accounttypedescription":"MOTO","pan":"4111111111111111","expirydate":"12\/2020","securitycode":"123","billingpremise":"789","billingpostcode":"TE45 6ST","credentialsonfile":"1"}]}
<?xml version='1.0' encoding='utf-8'?>
<requestblock version="3.67">
  <alias>[email protected]</alias>
  <request type="ACCOUNTCHECK">
    <merchant>
      <orderreference>My_Order_123</orderreference>
    </merchant>
    <billing>
      <amount currencycode="GBP">0</amount>
      <postcode>TE45 6ST</postcode>
      <premise>789</premise>
      <payment>
        <pan>4111111111111111</pan>
        <securitycode>123</securitycode>
        <expirydate>12/2020</expirydate>
      </payment>
    </billing>
    <operation>
      <accounttypedescription>MOTO</accounttypedescription>
      <sitereference>test_site12345</sitereference>
      <credentialsonfile>1</credentialsonfile>
    </operation>
  </request>
</requestblock>

Replace <DOMAIN> with a supported domain. Click here for a full list.

 

ACCOUNTCHECK response

After the request has been processed, you will receive a single response that contains the response to the ACCOUNTCHECK request:

{
  u 'requestreference': u 'Ar2xj1hjr',
    u 'version': u '1.00',
    u 'response': [{
      u 'transactionstartedtimestamp': u '2016-12-07 16:12:00',
        u 'livestatus': u '0',
        u 'issuer': u 'SecureTrading Test Issuer1',
        u 'dccenabled': u '0',
        u 'settleduedate': u '2016-12-07',
        u 'errorcode': u '0',
        u 'orderreference': u 'My_Order_123',
        u 'tid': u '27882788',
        u 'merchantnumber': u '00000000',
        u 'merchantcountryiso2a': u 'GB',
        u 'transactionreference': u '23-9-80023',
        u 'merchantname': u 'Test Merchant',
        u 'paymenttypedescription': u 'VISA',
        u 'baseamount': u '0',
        u 'accounttypedescription': u 'MOTO',
        u 'acquirerresponsecode': u '00',
        u 'requesttypedescription': u 'ACCOUNTCHECK',
        u 'securityresponsesecuritycode': u '2',
        u 'currencyiso3a': u 'GBP',
        u 'authcode': u 'TEST46',
        u 'errormessage': u 'Ok',
        u 'operatorname': u '[email protected]',
        u 'securityresponsepostcode': u '2',
        u 'maskedpan': u '411111######1111',
        u 'securityresponseaddress': u '2',
        u 'issuercountryiso2a': u 'US',
        u 'settlestatus': u '0',
        u 'credentialsonfile': u '1'
    }]
}
array(3) {
  ["requestreference"] => string(9) "A4cenptwx"
  ["version"] => string(4) "1.00"
  ["response"] => array(1) {
    [0] => array(28) {
      ["transactionstartedtimestamp"] => string(19) "2016-12-09 11:04:29"
      ["livestatus"] => string(1) "0"
      ["issuer"] => string(26) "SecureTrading Test Issuer1"
      ["dccenabled"] => string(1) "0"
      ["settleduedate"] => string(10) "2016-12-09"
      ["errorcode"] => string(1) "0"
      ["baseamount"] => string(1) "0"
      ["tid"] => string(8) "27882788"
      ["merchantnumber"] => string(8) "00000000"
      ["securityresponsepostcode"] => string(1) "2"
      ["transactionreference"] => string(10) "72-9-80018"
      ["merchantname"] => string(13) "Test Merchant"
      ["paymenttypedescription"] => string(4) "VISA"
      ["orderreference"] => string(12) "My_Order_123"
      ["accounttypedescription"] => string(4) "MOTO"
      ["acquirerresponsecode"] => string(2) "00"
      ["requesttypedescription"] => string(12) "ACCOUNTCHECK"
      ["securityresponsesecuritycode"] => string(1)"2"
      ["currencyiso3a"] => string(3) "GBP"
      ["authcode"] => string(6) "TEST39"
      ["errormessage"] => string(2) "Ok"
      ["operatorname"] => string(23) "[email protected]"
      ["merchantcountryiso2a"] => string(2) "GB"
      ["maskedpan"] => string(16) "411111######1111"
      ["securityresponseaddress"] => string(1) "2"
      ["issuercountryiso2a"] => string(2) "US"
      ["settlestatus"] => string(1) "0"
      ["credentialsonfile"] => string(1) "1"
    }
  }
}
{"requestreference":"W23-q3wa45ge","version":"1.00","response":[{"transactionstartedtimestamp":"2016-12-07 16:16:39","livestatus":"0","issuer":"SecureTrading Test Issuer1","dccenabled":"0","settleduedate":"2016-12-07","errorcode":"0","baseamount":"0","tid":"27882788","merchantnumber":"00000000","securityresponsepostcode":"2","transactionreference":"23-9-80024","merchantname":"Test Merchant","paymenttypedescription":"VISA","orderreference":"My_Order_123","accounttypedescription":"MOTO","acquirerresponsecode":"00","requesttypedescription":"ACCOUNTCHECK","securityresponsesecuritycode":"2","currencyiso3a":"GBP","authcode":"TEST53","errormessage":"Ok","operatorname":"[email protected]","merchantcountryiso2a":"GB","maskedpan":"411111######1111","securityresponseaddress":"2","issuercountryiso2a":"US","settlestatus":"0","credentialsonfile":"1"}],"secrand":"NunVEQ"}
<?xml version='1.0' encoding='utf-8'?>
<responseblock version="3.67">
  <requestreference>X575647667</requestreference>
  <response type="ACCOUNTCHECK">
    <merchant>
      <merchantname>Test Merchant</merchantname>
      <orderreference>My_Order_123</orderreference>
      <tid>27882788</tid>
      <merchantnumber>00000000</merchantnumber>
      <merchantcountryiso2a>GB</merchantcountryiso2a>
      <operatorname>[email protected]</operatorname>
    </merchant>
    <transactionreference>16-9-1</transactionreference>
    <billing>
      <amount currencycode="GBP">0</amount>
      <payment type="VISA">
        <issuer>SecureTrading Test Issuer1</issuer>
        <issuercountry>US</issuercountry>
        <pan>411111######1111</pan>
      </payment>
      <dcc enabled="0"/>
    </billing>
    <authcode>TEST53</authcode>
    <live>0</live>
    <error>
      <message>Ok</message>
      <code>0</code>
    </error>
    <timestamp>2013-01-16 10:48:17</timestamp>
    <acquirerresponsecode>00</acquirerresponsecode>
    <security>
      <address>2</address>
      <postcode>2</postcode>
      <securitycode>2</securitycode>
    </security>
    <settlement>
      <settleduedate>2013-01-16</settleduedate>
      <settlestatus>0</settlestatus>
    </settlement>
    <operation>
      <accounttypedescription>MOTO</accounttypedescription>
      <credentialsonfile>1</credentialsonfile>
    </operation>
  </response>
  <secrand>bByuPvGz9Hcm</secrand>
</responseblock>

 

Handling the response

Warning
It is strongly recommended that you check the security fields returned in the response, and manually investigate transactions where the returned securityresponsesecuritycode is “4” (indicating the customer entered a security code that doesn’t match the value found on the back of the card).
Field Format Description
securityresponseaddress
XPath: /security/address
 Numeric (1) “0” Not given – Your system did not provide the acquiring bank the information required to perform this check.

“1” Not checked – The acquiring bank did not perform this check on the information you provided in the request.

“2” Matched – The information you provided in the request matches the information obtained by the acquiring bank, from the customer’s payment issuer.

“4” Not matched – The information you provided in the request does not match the information obtained by the acquiring bank, from the customer’s payment issuer.
securityresponsepostcode
XPath: /security/postcode
 Numeric (1)
securityresponsesecuritycode
XPath: /security/securitycode
 Numeric (1)

 

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