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Card Verification

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The Fondy Gateway API's card verification feature enables merchants to verify a card's validity and receive a token for future transactions without requiring the cardholder's presence. This feature ensures cards are valid and not blocked and can streamline recurring payments or one-click transactions. Verification is performed by temporarily debiting a small amount from the card and reversing it automatically.

For recurring payments, you can use the card verification feature to verify a card before saving the token for future debits. In the case of one-click transactions, you can ensure card validity and improve the user experience.

Verifying a Card

Card verification is an optional process that can be triggered when performing a regular payment, tokenizing a card, or creating a recurring payment. To trigger the card verification process, you must set verification = Y when using one of the following parameters:

To verify a card, you must follow the steps:

  1. First, choose the endpoint to use depending on the operation you want to perform.
  2. Generate the signature with the process information. For more information on how to generate the signature, access the Signatures page.
  3. Send the request to Fondy Gateway API. If you use the Card Verification endpoint for a successful request, you will receive a response.checkout_url parameter. The following code block presents an example of a successful response.
{
  "response": {
    "checkout_url": "https://pay.fondy.eu/merchants/5ad6b888f4becb0c33d543d54e57d86c/default/index.html?token=45e32baec75283b3d5100e2423a0ee71f0ac554d",
    "payment_id": "832182211",
    "response_status": "success"
  }
}

📘

Recuring payments

When setting up a recurring payment, you can validate the card and simultaneously obtain a rectoken to use for future payments, eliminating the need to ask the user for payment information again. To achieve this, in addition to sending verification = Y, you must also include required_rectoken = Y in your request. This will ensure that the card is validated, and the rectoken is returned for use in future transactions.

  1. Redirect the user to the URL specified by the checkout_url, where your customer will inform the card data.
  2. After the user finishes the process and submits the card data, Fondy will validate the card and send the result to you using callbacks. The following code block shows an example of a callback:
{
  "response": {
    "rrn": "",
    "masked_card": "",
    "sender_cell_phone": "",
    "response_signature_string": "**********1000USD1000530159USDTest1test7926651365approved13.01.2014 15:10:472100Visa/MC",
    "response_status": "",
    "currency": "USD",
    "fee": "",
    "reversal_amount": "",
    "settlement_amount": "",
    "actual_amount": "1000",
    "order_status": "approved",
    "response_description": "",
    "order_time": "13.01.2014 15:10:47",
    "actual_currency": "USD",
    "order_id": "test7926651365",
    "tran_type": "",
    "eci": "",
    "settlement_date": "",
    "payment_system": "Visa/MC",
    "approval_code": "530159",
    "merchant_id": "1",
    "settlement_currency": "",
    "payment_id": "2100",
    "card_bin": "",
    "response_code": "",
    "card_type": "",
    "amount": "1000",
    "sender_email": "",
    "signature": "3a587a6908e1b4119729e6b00f9f055a927728fd",
    "product_id": ""
  }
}

Example Requests and Responses

You can use the following protocols to validate a card:

  • URL-encoded form
  • XML
  • JSON

Fondy will respond using the same format you sent on the request. Below are examples of requests and final responses shared through callbacks for all formats.

JSON Example

{
  "request":{
    "order_id":"test8037875286",
    "order_desc":"Test payment",
    "currency":"USD",
    "amount":"100",
    "verification":"Y",
    "signature":"07bc309047a56275f8d89ae222e2af0ceb94fe79",
    "merchant_id":"1"
  }
}

{
  "response": {
    "rrn": "",
    "masked_card": "",
    "sender_cell_phone": "",
    "response_signature_string": "**********1000USD1000530159USDTest1test7926651365approved13.01.2014 15:10:472100Visa/MC",
    "response_status": "",
    "currency": "USD",
    "fee": "",
    "reversal_amount": "",
    "settlement_amount": "",
    "actual_amount": "1000",
    "order_status": "approved",
    "response_description": "",
    "order_time": "13.01.2014 15:10:47",
    "actual_currency": "USD",
    "order_id": "test7926651365",
    "tran_type": "",
    "eci": "",
    "settlement_date": "",
    "payment_system": "Visa/MC",
    "approval_code": "530159",
    "merchant_id": "1",
    "settlement_currency": "",
    "payment_id": "2100",
    "card_bin": "",
    "response_code": "",
    "card_type": "",
    "amount": "1000",
    "sender_email": "",
    "signature": "3a587a6908e1b4119729e6b00f9f055a927728fd",
    "product_id": ""
  }
}

XML Example

<?xml version="1.0" encoding="UTF-8"?>
<request>
  <response_url>https://pay.fondy.eu/responsepage/</response_url>
  <order_id>test622138965</order_id>
  <order_desc>Test payment</order_desc>
  <currency>USD</currency>
  <amount>100</amount>
  <verification>Y</verification>
  <signature>fad685643ed5375d6d08c27f4f600e848549b0c5</signature>
  <merchant_id>1</merchant_id>
</request>

<?xml version="1.0" encoding="UTF-8"?>
<response>
  <rrn>401311593803</rrn>
  <masked_card>444455XXXXXX1111</masked_card>
  <sender_cell_phone />
  <response_status />
  <currency>USD</currency>
  <fee />
  <reversal_amount />
  <settlement_amount />
  <actual_amount>1000</actual_amount>
  <order_status>approved</order_status>
  <response_description />
  <order_time>13.01.2014 15:10:47</order_time>
  <actual_currency>USD</actual_currency>
  <order_id>test7926651365</order_id>
  <tran_type />
  <eci />
  <settlement_date />
  <payment_system>Visa/MC</payment_system>
  <approval_code>530159</approval_code>
  <merchant_id>1</merchant_id>
  <settlement_currency />
  <payment_id>2100</payment_id>
  <card_bin>444455</card_bin>
  <response_code />
  <card_type>VISA</card_type>
  <amount>1000</amount>
  <sender_email />
  <signature>1f894ec8c9b9c0a619e87f92ad7d347431f705c0</signature>
  <product_id />
</response>

URL-encoded form example

order_id=test3600040034&order_desc=Test payment&currency=USD&verification=Y
&amount=100&merchant_id=1&signature=ea326b841f9a1e2e90fb392392d3ed6255a6698d

rrn=401311593803&masked_card=444455XXXXXX1111&sender_cell_phone=&response_status=
&currency=USD&fee=&reversal_amount=&settlement_amount=&actual_amount=1000
&order_status=approved&response_description=&order_time=13.01.2014+15%3A10%3A47
&actual_currency=USD&order_id=test7926651365&tran_type=&eci=
&settlement_date=&payment_system=Visa%2FMC&approval_code=530159&merchant_id=1
&settlement_currency=&payment_id=2100&card_bin=444455&response_code=&
card_type=VISA&amount=1000&sender_email=&signature=1f894ec8c9b9c0a619e87f92ad7d347431f705c0&product_id=

Updated 6 days ago