Vérification de la carte

Yuno vous permet de vérifier si la carte de crédit du client est réelle et fonctionne. Notre API de vérification des cartes de crédit est conçue pour doter vos applications d'un mécanisme robuste de validation des transactions par carte de crédit, garantissant à vos utilisateurs une expérience de paiement transparente et sécurisée. Cette opération ne génère aucun frais pour votre client.

Avantages

Avec le service de vérification des cartes de Yuno, vous pouvez protéger votre entreprise en temps réel :

Vérification en temps réel: Validation instantanée des données de la carte de crédit pour en garantir l'exactitude et l'authenticité.
Prévention de la fraude: Réduire le risque de transactions frauduleuses en vérifiant la légitimité des informations relatives aux cartes de crédit.
Intégration transparente: intégrez facilement notre API à votre système de traitement des paiements existant, en minimisant le temps et les efforts de développement.

Intégration

Tout d'abord, vous devez définir un itinéraire pour utiliser la fonction de vérification des cartes. Lors de la configuration de l'itinéraire, veillez à sélectionner :

Carte comme mode de paiement.
Définir le type de transaction égal à VERIFIER.

Avec les configurations ci-dessus, toutes les vérifications de cartes seront traitées suivant la configuration de l'itinéraire créé.

📘
Choisir le bon fournisseur

Le processus de vérification des cartes de crédit n'est pas proposé par tous les fournisseurs. Contactez toujours votre gestionnaire de compte technique pour vérifier quels fournisseurs prennent en charge la vérification des cartes.

Yuno utilise une autorisation de zéro dollar pour les validations de cartes. Si le fournisseur ne prend pas en charge ce flux, nous le ferons en interne :

Autoriser le montant minimum possible, puis annuler l'autorisation pour les cartes de crédit.

Effectuer un achat pour le montant minimum possible et le rembourser ensuite pour les cartes de débit.

Outre la création de l'itinéraire, vous devez choisir le moment où la validation sera utilisée. Vous pouvez vérifier les cartes au cours de la procédure d'inscription ou lors d'un paiement par carte de crédit. Selon le processus choisi, vous devez utiliser différents endpoints ou fonctions SDK.

Vérifier la carte lors de l'enrôlement

Vous pouvez vérifier la carte lors de l'inscription, que vous utilisiez l'intégration directe ou le SDK.

Intégration SDK

Si vous utilisez une intégration basée sur des SDK, vous devez définir l'élément verify en informant le currency et vault_on_success = true lors de l'inscription. Le bloc de code ci-dessous présente un exemple de demandes et de réponses de vérification de carte à l'aide du SDK.

{
  "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
}

Accédez à la page d'intégration du SDK pour obtenir des informations supplémentaires sur le processus d'inscription.

Intégration directe

Pour vérifier la carte lors de l'enrôlement avec l'intégration directe, vous utiliserez la fonction Inscrire un Moyen de Paiement endpoint. En plus du card_data vous devez fournir l'objet verifyobjet. À l'intérieur de l'objet verify vous définissez l'objet currency et fournir vault_on_success = true. Le bloc de code ci-dessous présente un exemple de demandes et de réponses de vérification de carte à l'aide de la fonction Inscrire un Moyen de Paiement.

{
    "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"
                }
            ]
        }
    }
}

📘
Disponibilité de la fonctionnalité de vérification
La fonction de vérification lors de l'inscription n'est disponible que pour les commerçants conformes à la norme PCI lorsqu'ils utilisent l'intégration Direct.

Vérifier la carte au moment du paiement

Si vous souhaitez vérifier la carte à l'aide d'une opération de paiement, vous devez remplir deux conditions :

Informer amount.value=0.
Ajouter verify = true à l'intérieur du payment_method.detail.card. .

En suivant les instructions ci-dessus, l'opération qui en résultera n'entraînera aucune charge pour votre client.

Intégration SDK

Le bloc de code ci-dessous présente un exemple de vérification de carte à l'aide de l'opération de paiement pour une intégration SDK.

{
    "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
}

Intégration directe

Le bloc de code ci-dessous présente un exemple de vérification de carte à l'aide de l'opération de paiement pour une intégration directe.

{
    "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
}

🚧
Important
La fonction de vérification au moment du paiement n'est disponible que pour les commerçants conformes à la norme PCI lorsqu'ils utilisent l'intégration Direct.