Payment Account Reference (PAR)

PAR Testing Guide

This guide explains how to test Payment Account Reference (PAR) in a controlled environment. You can simulate various responses using the respective Network PANs for the PAR 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

1. Account Setup & Prerequisites: Before merchants can use the the PAR service, their account must be configured.

   1. Enable PAR on Your Account: PAR must be explicitly enabled for your VGS account. Please contact [e-mail] or merchant-designated VGS implementation representative to have this feature activated.

   2. Configure Service Account: Once PAR is enabled, merchants should configure their Service Account with the necessary permissions, including the account-reference-numbers:read scope (in addition to cards:read and cards:write).

2. 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}/payment-account-references

PAR API - Test Card Scenarios

PAN	Network	PAR Response	PAR
5102589999999913	Mastercard	Successful PAR	500165B0HVP7GJMBJQETCP10SZBEA
5105105105105100	Mastercard	PAR Not Found	N/A
6539495236090154	Discover	Successful PAR	6001D13RLVD4PLTG4C5FNDXYB3J8T
6011000000010005	Discover	PAR Not Found	N/A

Currently PAR service only supports Mastercard and Discover cards.