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The CreditCardCheck checks credit cards for plausibility in real-time.

Additionally, this request offers the possibility to store credit card data. In this case, the response submits what is known as a pseudo card number.

Request "creditcardcheck"

Common Parameter

Required

Short explanation

aid

+

Sub-Account ID, defined by PAYONE

Format

NUMERIC(5..6)

cardpan

+

Primary account number of credit card

Format

NUMERIC(13..19)

  • if your system handles "cardpan" directly you can not be PCI DSS SAQ A compliant.
  • for simple PCI DSS SAQ A compliance please use PAYONE hosted iFrames together with pseudocardpan.

cardtype

o

Card type of credit card

Format

LIST
valueCommentBIN-Range for automatic card type detection

V

Visa

4

M

MasterCard

51-55,2221-2720

A

American Express

34, 37
DDiners / Discover

300-305,3095,36,38,39

601, 64, 65

CDiscover

J

JCB

3528-3589

O

Maestro International

50, 56-58,602, 61, 620, 627, 63, 67
PChina Union Pay62212600-62299800,624-626, 6282-6288
UUATP / Airplus1220, 1920 -> coming soon; not available yet
Ggirocard68 *

*girocard is currently only viable for e-commerce-payments via Apple Pay.

  • Parameter “cardtype” can be dropped and then the PAYONE Platform will return the cardtype in the response depending on the given cardpan.
  • This cardtype has then be passed for future requests (like “preauthorization” / “authorization”).

cardexpiredate

+

Credit card expiry date YYMM


Format

NUMERIC(4), YYMM

cardcvc2

o

Credit card security number

Format

NUMERIC(3..4)

For SAQ A compliance: PAYONE Frontend hosted iFrame must be used. This parameter must not be used.

cardissuenumber

-

Card issue number (only Maestro UK cards)

Format

NUMERIC(1..2)

storecarddata

-

Specifies whether a pseudocardnumber shall be generated for later use (e.g. payment request)

Format

LIST
ValueComment
no

Card data is not stored

yes

Card data is stored, a pseudo card number is returned

language

-

Language indicator (ISO 639) to specify the language that should be presented to the customer (e.g. for error messages, frontend display).

If the language is not transferred, the browser language will be used. For a non-supported language English will be used.

Format

LIST

Permitted values

ISO 639-1 (Language) 2-letter-codes

checktype-

See Special remarks - creditcardcheck with Checktype TC for details

only available for select merchants



Response "creditcardcheck"

Common Parameter

Required

Format

Comment

status

+

Default

VALID / INVALID / ERROR

Parameter (VALID) - card number valid

pseudocardpan

o


Pseudo primary account number for a credit card.

Format

NUMERIC(16..19)

truncatedcardpan

o


Masked cardpan, i.e. 411111xxxxxx1111 (is returned if storecarddata=yes)

Format

CHAR(13..19)

cardtype

o


Card type of credit card

Format

LIST
valueCommentBIN-Range for automatic card type detection

V

Visa

4

M

MasterCard

51-55,2221-2720

A

American Express

34, 37
DDiners / Discover

300-305,3095,36,38,39

601, 64, 65

CDiscover

J

JCB

3528-3589

O

Maestro International

50, 56-58,602, 61, 620, 627, 63, 67
PChina Union Pay62212600-62299800,624-626, 6282-6288
UUATP / Airplus1220, 1920 -> coming soon; not available yet
Ggirocard68 *

*girocard is currently only viable for e-commerce-payments via Apple Pay.

cardexpiredateo

Credit card expiry date YYMM


Format

NUMERIC(4), YYMM

Parameter (INVALID) - card number invalid

errorcode

+


In case of error the PAYONE Platform returns an error code for your internal usage.

Format

NUMERIC(1..6)

errormessage

+


In case of error the PAYONE Platform returns an error message for your internal usage.

Format

CHAR(1..1024)

customermessage

-


The customermessage is returned to your system in order to be displayed to the customer.

(Language selection is based on the end customer's language, parameter "language")

Format

CHAR(1..1024)

Parameter (ERROR) - request faulty

errorcode

+


In case of error the PAYONE Platform returns an error code for your internal usage.

Format

NUMERIC(1..6)

errormessage

+


In case of error the PAYONE Platform returns an error message for your internal usage.

Format

CHAR(1..1024)

customermessage

-


The customermessage is returned to your system in order to be displayed to the customer.

(Language selection is based on the end customer's language, parameter "language")

Format

CHAR(1..1024)


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