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Thanks Patio, very clear explanation. Is it possible to make a very small transaction as a process to verify the card? (similar to Paypal which deposits $0.01

Thanks Patio, very clear explanation. Is it possible to make a very small transaction as a process to verify the card? (similar to Paypal which deposits $0.01 or similar small amount in your account or card and later ask you to verify that amount). I think my problem lies in category 8, I am more worried about card expiration and credit limits.

jonah 16y ago
Not sure what you're trying to achieve specifically but I can assume you want to collect a customer's billing information to keep on file until they do something in your app which you'd charge them for. You will need to set up a merchant account/gateway to do this but it's quite easy to pre-authorize[1] a card for a small amount - $1.01 or some such and then never capture the payment. That way, you verify the account is valid and active and passes CVV and AVS yet you don't actually collect any money. I assume you'll be charging people eventually otherwise I'm guessing your processor won't be too happy about you only pre-authing transactions. [1] A note about debit cards used pin-less: When you pre-auth a credit card, a hold is placed on the money until you either capture it or the hold falls away (usually after a few days). BUT when you pre-auth a debit card the money is actually taken out of the checking (or whatever) account tied to the card. It will only be returned if the hold expires.