What are Account Checks?
What are Account Checks used for?
Trust Payments contacts the acquiring bank and checks are performed 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. An Account Check can be processed before seeking authorisation for a payment, to check in advance that details provided by the customer match those stored by the issuing bank. Mismatches can be potentially indicative of fraud.
The unique transaction reference returned in the response can be used to reference the customer’s payment credentials for future requests. This allows you to process future payments using payment credentials stored on the Trust Payments system, without the need to store sensitive details on your own system.