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 test PANs for the Account Validation endpoint and the expected responses for each.

Very Important Information: Please use only the provided test cards for this process. Under no circumstances should you input real PANs or live card data.

Onboarding

• Create a CMP Account in Sandbox or use an existing account.

• Create a service account with the following card:write, card:read, account:write, account:read, account-validations:write, account-validations:read .

• Create Card IDs using the PANs below

General Setup

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

• HTTP Method: POST

• Authentication: https://auth.verygoodsecurity.com/auth/realms/vgs/protocol/openid-connect/token

Base URL:

https://sandbox.vgsapi.com

Initialize API Endpoint:

POST /cards/{cardID}/validations

Example Request:

• Merchant should use the test data in the request below during test in sandbox to get positive responses.

  • cvc

  • cardholder_address

  • cardholder_name

• Merchant must provide the below information in every request.

  • merchant_name

  • address

{
  "data": {
    "attributes": {
      "cvc": "022",
      "cardholder_address": {
        "street": "900 Metro Center Blv",
        "postal_code": "94404"
      },
      "cardholder_name": {
        "first_name": "ACCOUNT",
        "middle_name": "NAME",
        "last_name": "INQUIRY"
      },
      "merchant": {
        "merchant_name": "ABC Corp",
        "address": {
          "city": "San Francisco",
          "state": "CA",
          "country": "US",
          "postal_code": "94102"
        }
      }
    }
  }
}

Account Validation API - Test Card Scenarios

Test different Account Validation scenarios using real cards. Create Card IDs with the cards below and expect each card to return a predefined response (verified, not_verified, match, no_matched, partial_match).

Validation Results

PAN	Expiration	Scenario	API Request Body	Card Verification	Address Verification	CVC Verification	Name Verification
4957030420210462	10/40	Card Valid Full Address Match	{"data": {"type": "account-validations","attributes": {"merchant": {"merchant_name": "ABC Corp","address": { "city": "San Francisco","state": "CA","country": "US","postal_code": "94102"}},"cardholder_address": {"street": "900 Metro Center Blv","postal_code": "94404","city": "San Francisco","state": "CA","country": "US"}}}	verified	match	not applicable	not applicable
4860371715886350	10/40	Card Not Valid Partial Address Match	{"data": { "type": "account-validations","attributes": {"merchant": { "merchant_name": "ABC Corp", "address": {"city": "San Francisco","state": "CA","country": "US","postal_code": "94102"}},"cardholder_address": { "street": "900 Metro Center Blv","postal_code": "94404", "city": "San Francisco","state": "CA","country": "US"}}}	not_verified	not applicable	not applicable	partial_match
4860515915886350	10/40	Card Not Valid Address No Match	{"data": {"type": "account-validations", "attributes": {"merchant": {"merchant_name": "ABC Corp","address": {"city": "San Francisco","state": "CA", "country": "US","postal_code": "94102"}},"cardholder_address": {"street": "900 Metro Center Blv","postal_code": "94404","city": "San Francisco", "state": "CA","country": "US"}}}}	not_verified	not applicable	not applicable	no_match
4860967315886359	10/40	Card Not Valid Address No Match	{"data": {"type": "account-validations","attributes": {"merchant": {"merchant_name": "ABC Corp","address": { "city": "San Francisco""state": "CA","country": "US","postal_code": "94102"}},"cardholder_address": { "street": "900 Metro Center Blv","postal_code": "94404", "city": "San Francisco","state": "CA","country": "US"}}}}	not_verified	not applicable	not applicable	no_match