卡片验证
Yuno 可让您验证客户的信用卡是否真实有效。我们的信用卡验证应用程序接口（Credit Card Verification API）旨在为您的应用程序提供强大的信用卡交易验证机制，确保为您的用户提供无缝、安全的支付体验。此操作不会对您的客户产生任何费用。
优势
通过 Yuno 卡验证服务，您可以实时保护您的业务：
- 实时验证：即时验证信用卡详细信息，确保准确性和真实性。
- 预防欺诈：通过验证信用卡信息的合法性，降低欺诈交易的风险。
- 无缝集成：轻松将我们的 API 集成到您现有的支付处理系统中，最大限度地减少开发时间和工作量。
整合
首先，您需要定义一个路由来使用卡片验证功能。配置路由时，请务必选择
- 以信用卡作为付款方式。
- 定义交易类型 等于 VERIFY。
通过上述配置，所有卡片验证都将按照创建路由的配置进行处理。
选择正确的提供商
- 并非所有供应商都提供信用卡验证程序。请务必联系您的技术客户经理，确认哪些提供商支持信用卡验证。
- Yuno 使用零元授权进行银行卡验证。如果供应商不支持此流程，我们将在内部进行处理：
- 尽可能授权最低金额，然后取消信用卡授权。
- 使用借记卡进行最低消费，然后退款。
除了创建路线，您还需要选择何时使用验证。您可以在注册过程中或进行信用卡支付时验证银行卡。根据您选择的流程，您应该使用不同的endpoints 或 SDK 功能。
在注册时验证该卡
无论您使用的是直接集成还是 SDK 集成，都可以在注册时验证卡。
SDK 集成
如果使用基于 SDK 的集成，则需要定义 verify 对象，通知 currency 和 vault_on_success = true 进行注册时。下面的代码块提供了一个使用 SDK 进行卡片验证请求和响应的示例。
{
"payment_method_type": "CARD",
"country":"DE",
"account_id":"493e9374-510a-4201-9e09-de669d75f256",
"verify": {
"vault_on_success": true,
"currency": "EUR"
}
}
{
"id": "fbc68364-0456-41b6-9743-1acb07d55f14",
"idempotency_key": null,
"account_id": "493e9374-510a-4201-9e09-de669d75f256",
"name": "Card",
"description": "Card",
"type": "CARD",
"category": "CARD",
"country": "BR",
"status": "READY_TO_ENROLL",
"created_at": "2024-01-31T14:44:33.552281Z",
"updated_at": "2024-01-31T14:44:33.552283Z",
"enrollment": {
"session": "232b123d-c4d9-4ddc-b776-e0b0eaa6bb8b",
"sdk_required_action": true
},
"provider": {
"id": "YUNO",
"type": "YUNO",
"provider_status": null
},
"customer_payer": {
"first_name": "Fernando",
"last_name": "Iglesias",
"email": "[email protected]",
"gender": null,
"date_of_birth": null,
"document": null,
"phone": null,
"billing_address": null
},
"verify": {
"vault_on_success": true,
"currency": "BRL",
"payment": null
},
"preferred": null
}访问SDK 集成页面，了解有关注册流程的更多信息。
直接集成
要在直接集成注册时验证该卡，您将使用 Enroll Payment 方式 endpoint。除了 card_data 对象时，需要提供 verify物体。对象内部 verify 对象时，您定义了 currency 并提供 vault_on_success = true.下面的代码块提供了一个使用 Enroll Payment 方式.
{
"account_id": "493e9374-510a-4201-9e09-de669d75f256",
"country": "DE",
"type": "CARD",
"workflow": "DIRECT",
"card_data": {
"holder_name": "John Smith",
"expiration_month": 10,
"expiration_year": 24,
"number": "4988080000000000",
"security_code": "123"
},
"verify": {
"vault_on_success": true,
"currency": "EUR"
}
}{
"name": "VISA ****0000",
"description": "VISA ****0000",
"type": "CARD",
"category": "CARD",
"country": "BR",
"status": "ENROLLED",
"sub_status": null,
"vaulted_token": "5d4d8b95-c6f8-4336-b051-9eb06a436139",
"callback_url": null,
"action": "FORM",
"redirect_url": null,
"created_at": "2024-01-31T14:47:39.643700Z",
"updated_at": "2024-01-31T14:47:39.643701Z",
"card_data": {
"iin": "49880800",
"lfd": "0000",
"expiration_month": 10,
"expiration_year": 24,
"number_length": 16,
"security_code_length": 3,
"brand": "VISA",
"issuer": null,
"issuer_code": null,
"category": "BUSINESS ENHANCED",
"type": "DEBIT"
},
"last_successfully_used": null,
"last_successfully_used_at": null,
"preferred": null,
"verify": {
"vault_on_success": true,
"currency": "BRL",
"payment": {
"id": "0aacd66c-6933-4827-813f-8d76637f874d",
"account_id": "493e9374-510a-4201-9e09-de669d75f256",
"description": "VERIFY CARD",
"country": "BR",
"status": "SUCCEEDED",
"sub_status": "VERIFIED",
"merchant_order_id": "VERIFY_CARD_5d4d8b95-c6f8-4336-b051-9eb06a436139",
"created_at": "2024-01-31T14:47:39.717571Z",
"updated_at": "2024-01-31T14:47:41.617945Z",
"amount": {
"currency": "BRL",
"value": 0,
"refunded": 0,
"captured": 0
},
"transactions": [
{
"id": "ead4ed19-5998-4b40-9910-d2dfe25b9fe0",
"type": "VERIFY",
"status": "SUCCEEDED",
"response_code": "SUCCEEDED",
"response_message": "Transaction successful",
"category": "CARD",
"merchant_reference": "VERIFY_CARD_5d4d8b95-c6f8-4336-b051-9eb06a436139",
"provider_data": {
"id": "CIELO",
"transaction_id": "",
"account_id": "",
"status": "true",
"sub_status": "",
"status_detail": "",
"response_message": "Transacao autorizada",
"response_code": null,
"raw_response": {
"ReturnCode": "00",
"ReturnMessage": "Transacao autorizada",
"Valid": true
},
"third_party_transaction_id": null,
"third_party_account_id": null
},
"created_at": "2024-01-31T14:47:39.827470Z",
"updated_at": "2024-01-31T14:47:41.567732Z"
}
]
}
}
}
验证功能可用性注册时的验证功能仅适用于使用 Direct 集成的 PCI 合规商户。
在付款处验证银行卡
如果要使用支付操作验证银行卡，需要满足两个要求：
- 通知
amount.value=0. - 添加
verify = true内payment_method.detail.card.反对
按照上述说明进行操作后，不会向客户收取任何费用。
SDK 集成
下面的代码块提供了一个使用 SDK 集成的支付操作进行银行卡验证的示例。
{
"description": "Test Cards",
"account_id": "493e9374-510a-4201-9e09-de669d75f256",
"merchant_order_id": "0000022",
"merchant_reference": "Test Payment",
"country": "DE",
"amount": {
"currency": "EUR",
"value": 0
},
"checkout": {
"session": "5752d02a-64d2-4953-b8f7-defff1e1b7e6"
},
"customer_payer": {
"id": "9d58f32a-1ec9-4092-94b2-6725363ab447"
},
"payment_method": {
"token": "2c37e3b7-8b06-4e8b-a212-334d7c77e349",
"detail": {
"card": {
"verify":true
}
}
}
}{
"id": "47646d8b-1f99-4097-9df2-3097bf318bb9",
"account_id": "493e9374-510a-4201-9e09-de669d75f256",
"description": "Test Cards",
"country": "BR",
"status": "SUCCEEDED",
"sub_status": "VERIFIED",
"merchant_order_id": "0000022",
"created_at": "2024-01-31T15:19:03.599525Z",
"updated_at": "2024-01-31T15:19:06.992590Z",
"amount": {
"captured": 0,
"currency": "BRL",
"refunded": 0,
"value": 0
},
"checkout": {
"session": "5752d02a-64d2-4953-b8f7-defff1e1b7e6",
"sdk_action_required": false
},
"payment_method": {
"vaulted_token": "1f275d9f-a60a-4643-a5b0-ae6e40019fd1",
"type": "CARD",
"vault_on_success": true,
"token": "2c37e3b7-8b06-4e8b-a212-334d7c77e349",
"payment_method_detail": {
"card": {
"verify": true,
"capture": true,
"installments": 1,
"first_installment_deferral": 0,
"installments_type": "",
"installment_amount": null,
"soft_descriptor": "",
"authorization_code": "",
"retrieval_reference_number": "",
"voucher": null,
"card_data": {
"holder_name": "Pepito Perez2",
"iin": "49880800",
"lfd": "0000",
"number_length": 16,
"security_code_length": 3,
"brand": "VISA",
"issuer_name": "DEUTSCHE BANK AG INDIA",
"issuer_code": null,
"category": "BUSINESS ENHANCED",
"type": "DEBIT",
"three_d_secure": {
"version": null,
"electronic_commerce_indicator": null,
"cryptogram": null,
"transaction_id": null,
"directory_server_transaction_id": null,
"pares_status": null,
"acs_id": null
}
}
}
}
},
"customer_payer": {
"id": "9d58f32a-1ec9-4092-94b2-6725363ab447",
"merchant_customer_id": "1706712254",
"first_name": "Fernando",
"last_name": "Iglesias",
"gender": "",
"date_of_birth": null,
"email": "[email protected]",
"nationality": null,
"ip_address": "181.117.11.229",
"device_fingerprint": null,
"browser_info": {
"user_agent": "",
"accept_header": "",
"accept_content": null,
"accept_browser": null,
"color_depth": "",
"screen_height": "",
"screen_width": "",
"javascript_enabled": null,
"java_enabled": null,
"browser_time_difference": null,
"language": ""
},
"document": {
"document_type": "DNI",
"document_number": "38799992"
},
"phone": null,
"billing_address": null,
"shipping_address": null
},
"additional_data": null,
"taxes": null,
"transactions": {
"id": "9be01510-afab-450a-86cc-916d0d4cd8a5",
"type": "VERIFY",
"status": "SUCCEEDED",
"category": "CARD",
"amount": 0,
"provider_id": "CIELO",
"payment_method": {
"vaulted_token": "1f275d9f-a60a-4643-a5b0-ae6e40019fd1",
"type": "CARD",
"vault_on_success": true,
"token": "2c37e3b7-8b06-4e8b-a212-334d7c77e349",
"detail": {
"card": {
"verify": true,
"capture": true,
"installments": 1,
"first_installment_deferral": 0,
"installments_type": "",
"installment_amount": null,
"soft_descriptor": "",
"authorization_code": "",
"retrieval_reference_number": "",
"voucher": null,
"card_data": {
"holder_name": "Pepito Perez2",
"iin": "49880800",
"lfd": "0000",
"number_length": 16,
"security_code_length": 3,
"brand": "VISA",
"issuer_name": "DEUTSCHE BANK AG INDIA",
"issuer_code": null,
"category": "BUSINESS ENHANCED",
"type": "DEBIT",
"three_d_secure": {
"version": null,
"electronic_commerce_indicator": null,
"cryptogram": null,
"transaction_id": null,
"directory_server_transaction_id": null,
"pares_status": null,
"acs_id": null
}
}
}
}
},
"response_code": "SUCCEEDED",
"response_message": "Transaction successful",
"reason": null,
"description": "Test Cards",
"merchant_reference": "Pago de test 001",
"provider_data": {
"id": "CIELO",
"transaction_id": "",
"account_id": "",
"status": "true",
"sub_status": "",
"status_detail": "",
"response_message": "Transacao autorizada",
"response_code": "SUCCEEDED",
"raw_response": {
"ReturnCode": "00",
"ReturnMessage": "Transacao autorizada",
"Valid": true
},
"third_party_transaction_id": "",
"third_party_account_id": ""
},
"created_at": "2024-01-31T15:19:03.704095Z",
"updated_at": "2024-01-31T15:19:06.639476Z"
},
"split": [],
"callback_url": "https://google.com/?checkoutSession=5752d02a-64d2-4953-b8f7-defff1e1b7e6",
"workflow": "SDK_CHECKOUT",
"metadata": [],
"fraud_screening": null,
"payment_link_id": "",
"subscription_code": null
}直接集成
下面的代码块提供了一个使用直接集成支付操作进行银行卡验证的示例。
{
"description": "SUCCESSFUL",
"account_id": "{{account-code}}",
"merchant_order_id": "0000023",
"country": "DE",
"merchant_reference" : "reference-{{$randomUUID}}",
"amount": {
"currency": "EUR",
"value": 0
},
"customer_payer": {
"first_name": "John",
"last_name": "Smith",
"merchant_customer_id": "example00234"
},
"workflow": "DIRECT",
"payment_method": {
"type": "CARD",
"detail": {
"card": {
"capture": true,
"verify":true,
"card_data": {
"number": "4988080000000000",
"holder_name": "JOHN SMITH",
"expiration_month": 10,
"expiration_year": 24,
"security_code": "456"
}
}
}
}
}{
"id": "bcb42b81-c729-48cb-b782-1a0b6b706b31",
"account_id": "493e9374-510a-4201-9e09-de669d75f256",
"description": "SUCCESSFUL",
"country": "CO",
"status": "SUCCEEDED",
"sub_status": "VERIFIED",
"merchant_order_id": "0000023",
"created_at": "2024-01-31T15:07:04.513703Z",
"updated_at": "2024-01-31T15:07:06.573556Z",
"amount": {
"captured": 0,
"currency": "COP",
"refunded": 0,
"value": 0
},
"checkout": {
"session": "",
"sdk_action_required": false
},
"payment_method": {
"vaulted_token": "",
"type": "CARD",
"vault_on_success": false,
"token": "",
"payment_method_detail": {
"card": {
"verify": true,
"capture": true,
"installments": 1,
"first_installment_deferral": 0,
"installments_type": "",
"installment_amount": null,
"soft_descriptor": "",
"authorization_code": "",
"retrieval_reference_number": "",
"voucher": null,
"card_data": {
"holder_name": "JOHN DOE",
"iin": "49880800",
"lfd": "0000",
"number_length": 16,
"security_code_length": 3,
"brand": "VISA",
"issuer_name": "DEUTSCHE BANK AG INDIA",
"issuer_code": null,
"category": "BUSINESS ENHANCED",
"type": "DEBIT",
"three_d_secure": {
"version": null,
"electronic_commerce_indicator": null,
"cryptogram": null,
"transaction_id": null,
"directory_server_transaction_id": null,
"pares_status": null,
"acs_id": null
}
}
}
}
},
"customer_payer": {
"id": null,
"merchant_customer_id": "example00234",
"first_name": "Pepito",
"last_name": "Perez",
"gender": null,
"date_of_birth": null,
"email": null,
"nationality": null,
"ip_address": null,
"device_fingerprint": null,
"browser_info": {
"user_agent": "",
"accept_header": "",
"accept_content": null,
"accept_browser": null,
"color_depth": "",
"screen_height": "",
"screen_width": "",
"javascript_enabled": null,
"java_enabled": null,
"browser_time_difference": null,
"language": ""
},
"document": {
"document_type": "CC",
"document_number": "38799999"
},
"phone": null,
"billing_address": null,
"shipping_address": null
},
"additional_data": null,
"taxes": null,
"transactions": {
"id": "f0da4c61-0c39-493b-a274-16d204fefad9",
"type": "VERIFY",
"status": "SUCCEEDED",
"category": "CARD",
"amount": 0,
"provider_id": "CIELO",
"payment_method": {
"vaulted_token": "",
"type": "CARD",
"vault_on_success": false,
"token": "",
"detail": {
"card": {
"verify": true,
"capture": true,
"installments": 1,
"first_installment_deferral": 0,
"installments_type": "",
"installment_amount": null,
"soft_descriptor": "",
"authorization_code": "",
"retrieval_reference_number": "",
"voucher": null,
"card_data": {
"holder_name": "JOHN DOE",
"iin": "49880800",
"lfd": "0000",
"number_length": 16,
"security_code_length": 3,
"brand": "VISA",
"issuer_name": "DEUTSCHE BANK AG INDIA",
"issuer_code": null,
"category": "BUSINESS ENHANCED",
"type": "DEBIT",
"three_d_secure": {
"version": null,
"electronic_commerce_indicator": null,
"cryptogram": null,
"transaction_id": null,
"directory_server_transaction_id": null,
"pares_status": null,
"acs_id": null
}
}
}
}
},
"response_code": "SUCCEEDED",
"response_message": "Transaction successful",
"reason": null,
"description": "SUCCESSFUL",
"merchant_reference": "reference-d3286de8-0c0b-4681-b29c-0a82a67de8ba",
"provider_data": {
"id": "CIELO",
"transaction_id": "",
"account_id": "",
"status": "true",
"sub_status": "",
"status_detail": "",
"response_message": "Transacao autorizada",
"response_code": "SUCCEEDED",
"raw_response": {
"ReturnCode": "00",
"ReturnMessage": "Transacao autorizada",
"Valid": true
},
"third_party_transaction_id": "",
"third_party_account_id": ""
},
"created_at": "2024-01-31T15:07:04.628781Z",
"updated_at": "2024-01-31T15:07:06.512878Z"
},
"split": [],
"workflow": "DIRECT",
"metadata": [],
"fraud_screening": null,
"payment_link_id": "",
"subscription_code": null
}
重要只有符合 PCI 标准的商家在使用 Direct 集成时才能使用支付时的验证功能。
7个月前更新