Account Validation

Account Validation Testing Guide

This guide explains how to test Account Validation in a controlled environment. You can simulate various responses using different mock card IDs for the Account Validation endpoint and the expected responses for each.

General Setup

• Content-Type Header: application/vnd.api+json

• HTTP Method: POST

Base URL:

https://gw-01-sandbox.vgsapi.com/3ds-mocks

Initialize API Endpoint:

POST /cards/{cardID}/validations

Example Request:

curl -X POST "https://gw-01-sandbox.vgsapi.com/3ds-mocks/cards/CRallValidationsApprAbCdE/validations" \
-H "Content-Type: application/vnd.api+json"

Account Validation API - Mock Card Testing

Test different Account Validation scenarios without using real cards. Each static cardID returns a predefined response (matched, not_matched, approved, declined, partially_matched). When using these mock card IDs, you do not need Account Validation enabled on your account and you do not need to generate a JWT auth token. Simply replace {cardID} with one of the static mock values.

Single Validation Tests

CVC Only

Card ID	CVC Status	Description
CRcvcMatchedOnlyAbCdEfGh	matched	CVC matched
CRcvcNotMatchedAbCdEfGhI	not_matched	CVC did not match
CRcvcNotVerifiedAbCdEfGh	not_verified	CVC could not be verified
CRcvcNotSupportedAbCdEfG	not_supported	CVC validation not supported

Address (AVS) Only

Card ID	Address Status	Description
CRavsMatchedOnlyAbCdEfGh	matched	Address fully matched
CRavsNotMatchedAbCdEfGhI	not_matched	Address did not match
CRavsPartialMatchAbCdEfG	partially_matched	Address partially matched
CRavsNotVerifiedAbCdEfGh	not_verified	Address could not be verified
CRavsNotSupportedAbCdEfG	not_supported	AVS not supported

Name Only

Card ID	Name Status	Description
CRnameMatchedOnlyAbCdEfG	matched	Name matched
CRnameNotMatchedAbCdEfGh	not_matched	Name did not match
CRnamePartialMatchAbCdEf	partially_matched	Name partially matched
CRnameNotVerifiedAbCdEfG	not_verified	Name could not be verified
CRnameNotSupportedAbCdEf	not_supported	Name validation not supported

Account Validation Only

Card ID	Account Validation Status	Description
CRacctApprovedOnlyAbCdEfG	approved	Account validation approved
CRacctDeclinedOnlyAbCdEfG	declined	Account validation declined
CRacctPartialApprAbCdEfGh	partial_approval	Account validation partially approval
CRacctNotVerifiedAbCdEfGh	not_verified	Account validation not verified
CRacctNotSupportedAbCdEfG	not_supported	Account validation not supported

Two Validation Combinations

CVC + Address

Card ID	CVC Status	Address Status	Description
CRcvcAvsMatchedAbCdEfGhI	matched	matched	Both matched
CRcvcMatchAvsNotAbCdEfGh	matched	not_matched	CVC matched, address didn't
CRcvcNotAvsMatchAbCdEfGh	not_matched	matched	CVC didn't match, address did
CRcvcAvsPartialAbCdEfGhI	matched	partially_matched	CVC matched, address partial

CVC + Name

Card ID	CVC Status	Name Status	Description
CRcvcNameMatchedAbCdEfGh	matched	matched	Both matched
CRcvcMatchNameNotAbCdEfG	matched	not_matched	CVC matched, name didn't
CRcvcNotNameMatchAbCdEfG	not_matched	matched	CVC didn't match, name did

CVC + Account Validation

Card ID	CVC Status	Account Validation Status	Description
CRcvcAcctApprovedAbCdEfGh	matched	approved	CVC matched, account approved
CRcvcMatchAcctDecAbCdEfGh	matched	declined	CVC matched, account declined
CRcvcNotAcctApprAbCdEfGhI	not_matched	approved	CVC didn't match, account approved

Address + Name

Card ID	Address Status	Name Status	Description
CRavsNameMatchedAbCdEfGh	matched	matched	Both matched
CRavsMatchNameNotAbCdEfG	matched	not_matched	Address matched, name didn't
CRavsNotNameMatchAbCdEfG	not_matched	matched	Address didn't match, name did
CRavsPartialNameAbCdEfGh	partially_matched	matched	Address partial, name matched

Address + Account Validation

Card ID	Address Status	Account Validation Status	Description
CRavsAcctApprovedAbCdEfGh	matched	approved	Address matched, account approved
CRavsMatchAcctDecAbCdEfGh	matched	declined	Address matched, account declined
CRavsNotAcctApprAbCdEfGhI	not_matched	approved	Address didn't match, account approved

Name + Account Validation

Card ID	Name Status	Account Validation Status	Description
CRnameAcctApprovedAbCdEfG	matched	approved	Name matched, account approved
CRnameMatchAcctDecAbCdEfG	matched	declined	Name matched, account declined
CRnameNotAcctApprAbCdEfGh	not_matched	approved	Name didn't match, account approved

Three Validation Combinations

CVC + Address + Name

Card ID	CVC Status	Address Status	Name Status	Description
CRcvcAvsNameAllMatchAbCd	matched	matched	matched	All three matched
CRcvcAvsMatchNameNotAbCd	matched	matched	not_matched	CVC+Address matched, name didn't
CRcvcNameMatchAvsNotAbCd	matched	not_matched	matched	CVC+Name matched, address didn't
CRavsNameMatchCvcNotAbCd	not_matched	matched	matched	Address+Name matched, CVC didn't
CRcvcAvsPartialNameAbCdE	matched	partially_matched	matched	CVC+Name matched, address partial

CVC + Address + Account Validation

Card ID	CVC Status	Address Status	Account Validation Status	Description
CRcvcAvsAcctAllApprAbCdE	matched	matched	approved	All three successful
CRcvcAvsMatchAcctDecAbCdE	matched	matched	declined	CVC+Address matched, account declined
CRcvcAcctApprAvsNotAbCdEf	matched	not_matched	approved	CVC+Account good, address didn't match
CRavsAcctApprCvcNotAbCdEf	not_matched	matched	approved	Address+Account good, CVC didn't match

CVC + Name + Account Validation

Card ID	CVC Status	Name Status	Account Validation Status	Description
CRcvcNameAcctAllApprAbCd	matched	matched	approved	All three successful
CRcvcNameMatchAcctDecAbCd	matched	matched	declined	CVC+Name matched, account declined
CRcvcAcctApprNameNotAbCdE	matched	not_matched	approved	CVC+Account good, name didn't match
CRnameAcctApprCvcNotAbCdE	not_matched	matched	approved	Name+Account good, CVC didn't match

Address + Name + Account Validation

Card ID	Address Status	Name Status	Account Validation Status	Description
CRavsNameAcctAllApprAbCd	matched	matched	approved	All three successful
CRavsNameMatchAcctDecAbCd	matched	matched	declined	Address+Name matched, account declined
CRavsAcctApprNameNotAbCdE	matched	not_matched	approved	Address+Account good, name didn't match
CRnameAcctApprAvsNotAbCdE	not_matched	matched	approved	Name+Account good, address didn't match
CRavsPartialNameAcctAbCdE	partially_matched	matched	approved	Address partial, name+account good

Four Validation Combination (All)

CVC + Address + Name + Account Validation

Card ID	CVC	Address	Name	Account Validation	Description
CRallValidationsApprAbCdE	matched	matched	matched	approved	All validations successful
CRallMatchAcctDeclinedAbC	matched	matched	matched	declined	All matched but account declined
CRcvcNotOthersMatchAbCdE	not_matched	matched	matched	approved	Only CVC failed
CRavsNotOthersMatchAbCdE	matched	not_matched	matched	approved	Only address failed
CRnameNotOthersMatchAbCd	matched	matched	not_matched	approved	Only name failed
CRacctDecOthersMatchAbCdE	matched	matched	matched	declined	Only account declined
CRavsPartialOthersAbCdEf	matched	partially_matched	matched	approved	Address partial, others good
CRcvcAvsNotOthersAbCdEfG	not_matched	not_matched	matched	approved	CVC+Address failed
CRcvcNameNotOthersAbCdEf	not_matched	matched	not_matched	approved	CVC+Name failed
CRavsNameNotOthersAbCdEf	matched	not_matched	not_matched	approved	Address+Name failed

Error Response Card IDs

These card IDs trigger specific HTTP error responses:

Card ID	HTTP Status	Description
CRaZcXeVtBrNnMpLoKjIhUgYt	400	Bad Request
CRdFhJkLmNoPqRsTuVwXyZ012	401	Unauthorized
CRpOiUytRewQAzXswEdcRfVtB	403	Forbidden
CRuYtRewQAzWsXeDcRfVtGbYh	404	Not Found
CRiKoLpMnBvCxZaQsWeRdTfYg	422	Unprocessable Entity
CRzXaScVbNmLkJhgFdSaQwErT	500	Internal Server Error
CRbNtMvCxZlKjHgFdSaQwErTy	503	Service Unavailable

Default Success Card ID

Card ID	Response
canary (or any other card ID not listed above)	Returns 200 with all requested validations showing matched status (or approved for account validation)

Usage

To test a specific validation scenario, use the corresponding card ID in your request to /cards/{card_id}/validations.

The fields you include in the request body determine which validations are performed:

• Include card_cvc to trigger CVC validation

• Include cardholder_address to trigger address validation

• Include cardholder_name to trigger name validation

• Include account_validation: true to trigger account validation (zero-dollar auth)

Example request for CVC + Address validation with both matched:

POST /cards/CRcvcAvsMatchedAbCdEfGhI/validations
{
  "data": {
    "type": "account-validation-requests",
    "attributes": {
      "card_cvc": "123",
      "cardholder_address": {
        "street": "123 Main St",
        "postal_code": "12345"
      }
    }
  }
}

Response Structure

The response will include a validation_results object with the following possible fields:

• cvc_result - CVC validation result (if card_cvc was provided)

• address_result - Address validation result (if cardholder_address was provided)

• name_result - Name validation result (if cardholder_name was provided)

• account_validation_result - Account validation result (if account_validation: true was provided)

Each result object contains:

• status - The validation status (see statuses above)

• network_response_code - The network response code

• network_response_description - Human-readable description

{
    "data": {
        "id": "av_CRallValid",
        "type": "account-validation-results",
        "attributes": {
            "created_at": "2024-01-15T12:00:00Z",
            "validation_results": {
                "cvc_result": {
                    "status": "matched",
                    "network_response_code": "M",
                    "network_response_description": "Match"
                },
                "address_result": {
                    "status": "matched",
                    "network_response_code": "Y",
                    "network_response_description": "Match"
                },
                "name_result": {
                    "status": "matched",
                    "network_response_code": "Y",
                    "network_response_description": "Match"
                },
                "account_validation_result": {
                    "status": "approved",
                    "network_response_code": "00",
                    "network_response_description": "Approved"
                }
            }
        },
        "relationships": {
            "card": {
                "data": {
                    "type": "cards",
                    "id": "CRallValidationsApprAbCdE"
                }
            }
        },
        "links": {
            "self": "/cards/CRallValidationsApprAbCdE/validations"
        }
    }
}