Payment Card Verification API

Payment Card Verification API

"Effortlessly integrate the Payment Card Verification API for seamless and secure credit card validation in your applications."

API description

About the API:  

In the ever-changing digital commerce environment, the security and reliability of online transactions are of paramount importance. As people increasingly turn to digital platforms for their financial transactions, robust mechanisms for authenticating credit card information become indispensable. At the heart of this need is the Payment Card Verification API, an influential tool meticulously designed to ensure the accuracy and legitimacy of credit card data before authorizing transactions.

The Payment Card Verification API is a sophisticated application programming interface that is a critical element in the digital payments landscape. Its primary function revolves around the validation of credit card data submitted during online transactions. This includes a thorough verification of the card number, expiration date and card verification value (CVV), ensuring a perfect match with the records associated with the card.

A distinctive feature of the Payment Card Verification API is its real-time validation capability. In a matter of milliseconds, the API meticulously processes and confirms credit card data, streamlining business decision-making processes and improving the overall efficiency of payment systems. Real-time validation is crucial to prevent unauthorized transactions and mitigate potential risks related to fraudulent activities.

Integrating the Payment Card Verification API into your system is a simple and hassle-free process. With its user-friendly design and comprehensive documentation, incorporating this API into your applications, websites or payment processing systems is efficient and hassle-free. The intuitive interface and well-documented endpoints ensure that users can quickly understand the integration process, facilitating a rapid implementation that aligns seamlessly with your existing infrastructure. Whether you are an experienced user or new to API integrations, the Credit Card Validator - BIN Checker API offers a simple and easy-to-follow integration experience, allowing you to improve the security and accuracy of credit card validation with minimal effort.

In short, the Payment Card Verification API plays a critical role in securing digital transactions by meticulously ensuring the accuracy and legitimacy of credit card information. Its real-time validation capabilities, coupled with its robust security protocols, make it an essential component in the ongoing effort to strengthen online payment ecosystems against fraud and unauthorized activity. As digital transactions continue to evolve, the Payment Card Verification API remains a reliable gatekeeper that contributes to the establishment of secure, efficient and reliable financial transactions in the digital age.

 

What this API receives and what your API provides (input/output)?

It will receive parameters and provide you with a JSON.

 

What are the most common uses cases of this API?

  1. E-commerce transactions: Verify payment card data during online transactions to ensure accuracy and validity of payment information.

    Subscription services: Validate payment cards for recurring billing and subscription services to maintain uninterrupted payment processing.

    Account Registration: Confirm the authenticity of payment cards during user account registration to prevent fraudulent activity.

    Financial applications: Integrate the API into financial applications to validate payment cards for secure financial transactions.

    Hotel and travel reservations: Verify payment card information for hotel and travel bookings to ensure successful and secure transactions.

 

Are there any limitations to your plans?

Besides the number of API calls, there are no other limitations.

API Documentation

Endpoints


Be able to validate any credit card based on its BIN number (first 6 digits).

Receive data from the Credit Card, CC Issuer, Card Type, Card Level, Card Brand, Issuer Country, and more. 



                                                                            
GET https://zylalabs.com/api/3021/payment+card+verification+api/3191/card+validation
                                                                            
                                                                        

Card validation - Endpoint Features
Object Description
bin [Required]
Test Endpoint

API EXAMPLE RESPONSE

       
                                                                                                        
                                                                                                                                                                                                                            {"status":200,"success":true,"isValid":true,"message":"The BIN number is valid.","data":{"bin_iin":"622126","card_brand":"CHINA UNION PAY","card_type":"CREDIT","card_level":"REWARDS","issuer_name_bank":"FUXIN CITY COMMERCIAL BANK","issuer_bank_website":"------","issuer_bank_phone":"------","iso_country_name":"CHINA","iso_country_code":"CN"}}
                                                                                                                                                                                                                    
                                                                                                    

Card validation - CODE SNIPPETS


curl --location --request GET 'https://zylalabs.com/api/3021/payment+card+verification+api/3191/card+validation?bin=412435' --header 'Authorization: Bearer YOUR_API_KEY' 

    

API Access Key & Authentication

After signing up, every developer is assigned a personal API access key, a unique combination of letters and digits provided to access to our API endpoint. To authenticate with the Payment Card Verification API REST API, simply include your bearer token in the Authorization header.

Headers

Header Description
Authorization [Required] Should be Bearer access_key. See "Your API Access Key" above when you are subscribed.


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To access the API, you need to make an HTTP POST request to the API endpoint, providing the first six digits of the credit card (BIN) as a parameter. The API will then respond with a JSON object containing the requested information about the credit card, including its validity, issuing bank details, and location information. You can integrate this API into your application or system to leverage its functionality and enhance your credit card processing capabilities.

The API response includes detailed information about the credit card. This includes information such as the validity of the card (whether it is valid or not), the level of the card (e.g., fleet purchase), the currency associated with the card, and the country of issuance.

The API follows a secure approach by only requiring the Bank Identification Number (BIN), which consists of the first six digits of a credit card. This approach avoids the need to transmit or store sensitive credit card details.

The API allows developers to validate and verify credit card information using the bank identification number (BIN). By providing the first six digits of a credit card, you can verify whether it is a valid credit card or not.

The payment card verification API supports multiple cards.

Zyla API Hub is, in other words, an API MarketPlace. An all-in-one solution for your developing needs. You will be accessing our extended list of APIs with only your user. Also, you won't need to worry about storing API keys, only one API key for all our products is needed.

Prices are listed in USD. We accept all major debit and credit cards. Our payment system uses the latest security technology and is powered by Stripe, one of the worldโ€™s most reliable payment companies. If you have any trouble with paying by card, just contact us at [email protected]

Sometimes depending on the bank's fraud protection settings, a bank will decline the validation charge we make when we attempt to be sure a card is valid. We recommend first contacting your bank to see if they are blocking our charges. If more help is needed, please contact [email protected] and our team will investigate further

Prices are based on a recurring monthly subscription depending on the plan selected โ€” plus overage fees applied when a developer exceeds a planโ€™s quota limits. In this example, you'll see the base plan amount as well as a quota limit of API requests. Be sure to notice the overage fee because you will be charged for each additional request.

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 Service Level
100%
 Response Time
298ms

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