⚡ Zero Auth

Instantly verify a card’s validity and status without blocking funds or impacting credit limits.
Ideal for pre-checks, tokenization flows, and frictionless onboarding.

ℹ️ For full request and response examples, refer to the API Reference.

🧭 Overview

Zero Auth is a lightweight, non-monetary pre-authorization flow that validates whether a card is active and legitimate.
It ensures a smooth checkout experience, helps detect invalid or inactive cards early, and boosts approval rates for future transactions.

💡 When to Use

Use Zero Auth whenever card validation is needed before attempting a payment or token creation:

💳 During checkout when a user first enters their card details
🔐 Before tokenizing or storing a card for recurring payments
🛡️ As part of fraud prevention or KYC verification flows

🧾 Request Example

{
  "wallet_uuid": "1f937eb2-cf2c-421c-aa24-3f26519f42fa",
  "holder_name": "John Doe",
  "card_number": "5345625884344596",
  "expiry_month": "09",
  "expiry_year": "2030",
  "cvv": "123",
  "brand": "Visa"
}

✅ Response Example

{
  "internal_uuid": "1f937eb2-cf2c-421c-aa24-3f26519f42fa",
  "is_valid": true,
  "code": "00"
}

💬 Zero Auth — Response Codes & Meanings

Code	Description (EN)	Description (PT-BR)	Action / Recommendation
00	Approved / Valid card	Cartão válido / aprovado	✅ Card successfully validated; proceed to tokenization or payment.
05	Do not honor	Não autorizar / não honrar	⚠️ Issuer declined; may indicate fraud or restriction. Ask the cardholder to contact their bank.
14	Invalid card number	Número de cartão inválido	❌ Verify the card number format (Luhn/mod10 check). Request re-entry.
51	Insufficient funds	Saldo insuficiente	⚠️ Unusual for Zero Auth (since no funds are held). Possible issuer error; retry later.
54	Expired card	Cartão expirado	❌ Request a new card with valid expiry date.
57	Transaction not permitted	Transação não permitida	⚠️ Issuer blocked operation; check card configuration or use another card.
58	Transaction not allowed for terminal	Transação não permitida para o estabelecimento	⚠️ Verify MCC or merchant configuration.
62	Restricted card	Cartão restrito	❌ Declined; card blocked or restricted by issuer.
63	Security violation	Violação de segurança	⚠️ Possible CVV or authentication failure.
76	Invalid data sent	Dados inválidos	⚠️ Review request fields (expiry, brand, cvv).
79	Authorization error	Erro de autorização	⚠️ Temporary error on issuer side; try again later.
N7	CVV2/CVC2 failure	Falha no código de segurança (CVV inválido)	❌ Ask the cardholder to re-enter CVV; ensure correct length (3–4 digits).
91	Issuer unavailable	Emissor indisponível	⚠️ Temporary network issue; retry later.
96	System malfunction	Erro no sistema / falha geral	⚠️ Generic error; retry or contact provider if persistent.

⚙️ How It Works

📨 The merchant sends a Zero Auth request with card data.
🔍 The API performs a non-financial validation with the payment network.
📊 The response returns whether the card is valid, expired, or invalid.
🚀 If valid, the merchant continues to tokenization or payment.

🧠 Best Practices

Always perform Zero Auth before storing card data.
Log and monitor response codes for better fraud analysis.
Combine Zero Auth with device and behavioral signals for stronger validation.