Account Verification Service

The Account Verification Service (AVS) is a service which offers authentication of the cardholder as well as validation of the card account

Implementation

• AVS transactions are R0.00 (zero rand) transactions that are sent as:
  • Authorize transactions only (with no capture) for dual messaging and
  • Payment transactions for single messaging
• TransactionType in HPP is set to CardVerification.
• VerificationAction is set to one of the following values:
  • NonPaymentAuthentication or
  • PaymentAuthentication or
  • Payment
    These 3 types are described in the section Three types of Account Verification for Cards.

Requirements for HPP

The following is required in the form POST for CardVerification:

• MerchantID
• TransactionType = CardVerification
• MerchantReference
• Amount = 0
• Currency = ZAR
• VerificationAction = NonPaymentAuthentication or PaymentAuthentication or Payment
• Checksum