Validate a card before performing a payment or tokenization, without blocking funds or impacting card limits.
Overview
Zero Auth is a lightweight pre-authorization flow that verifies whether a card is valid and active — without charging the cardholder or affecting the account balance.
It helps merchants reduce declines caused by invalid card data and improves approval rates for future transactions.
When to Use
Use Zero Auth in any scenario where card validation is needed before attempting a payment or creating a token:
- During checkout when the user first enters their card details
- Before storing or tokenizing a card for recurring payments
- As part of a risk-prevention or KYC flow
How It Works
- The merchant sends a Zero Auth request containing card details.
- The API performs a non-monetary validation with the network.
- The response indicates whether the card is valid and can be safely used.
- The merchant proceeds with tokenization or payment if validation succeeds.