Verify card information without charging any amount in Mastercard payment gateway

There is a way to verify card information without charging any amount from the card, and it works with 3DS authentication.

It supports tokenization too.

Use cases

• Verifying card information or the user’s identity.
• Tokenizing the card for future use.
• Saving authentication data.

How it works with Hosted Checkout

When you create the Hosted Checkout session, set interaction.operation to VERIFY. Then MPGS understands that this transaction will not have any money movement.

So, let’s go step by step.

Step 1: Create the checkout session

{
    "apiOperation": "INITIATE_CHECKOUT",
    "interaction": {
        "operation": "VERIFY",
        "merchant": {
            "name": "<merchant_name>"
        },
        "returnUrl": "https://www.your-site.com/return"
    },
    "order": {
        "currency": "USD",
        "amount": "0",
        "id": "<order_ID>",
        "description": "<description_of_order>"
    }
}

Here, make sure order.amount is zero, because we are not charging any money. You can add more information to the order if you need to.

{gateway-host} depends on your region, for example na.gateway.mastercard.com, eu-gateway.mastercard.com or ap-gateway.mastercard.com. Your payment provider will tell you which one to use.

All API calls use Basic authentication. The username is merchant.{merchantId} and the password is your API password.

The response gives you a session.id and a successIndicator:

{
    "merchant": "<merchant_ID>",
    "result": "SUCCESS",
    "session": {
        "id": "SESSION0002776555072I12345678",
        "updateStatus": "SUCCESS",
        "version": "a1b2c3d4e5"
    },
    "successIndicator": "f1e2d3c4b5a69788"
}

Save the successIndicator; you will need it in step 3.

Step 2: Show the payment page

Load checkout.min.js from your gateway and open the payment page with the session ID:

<script src="https://{gateway-host}/static/checkout/checkout.min.js"></script>
<script>
    Checkout.configure({
        session: { id: '<session_ID>' }
    });

    Checkout.showPaymentPage();
</script>

The customer enters their card details and completes 3DS authentication if it is needed. No money is charged.

Step 3: Check the result

After the customer finishes, MPGS redirects them to your returnUrl with a resultIndicator in the query string. If it matches the successIndicator you saved in step 1, the verification was successful.

Step 4: Fetch the order details

After successful verification, fetch the order details:

In the response, status will be VERIFIED. That means the card details were verified successfully, and no payment was made.

{
    "id": "<order_ID>",
    "amount": 0,
    "currency": "USD",
    "result": "SUCCESS",
    "status": "VERIFIED"
}