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validate_payment_information

Determines the validity of a card by performing an authorization transaction. The default authorization amount is 0 or 1 unit of currency (for example 0 or $1 USD) depending on the payment processor and card type. Please note: In order to use this call, your payment processor must support card authorizations.

Note: Inputs passed to this API call will override any fraud options that you specified in your payment gateway, collection group, or Direct Post settings, unless stated otherwise below.

Input Arguments

Req Field Name Field Type Max Length Description
required-icon.png client_no long 22 Aria-assigned unique identifier indicating the Aria client providing service to this account.
required-icon.png auth_key string 32 Aria-assigned unique key to be passed with each method call for authenticating the validity of the requestor.
  account_no long 22 Aria-assigned account identifier. This value is unique across all Aria-managed accounts.
  CVV long 1000 The CVV code for the payment method given
  seq_no long 8 The unique bill sequence number.
  inTrackingNumber string 40 The XID used for 3DSecure if 3DSecure was used for this authorization
  inAuthValue string 40 The 3DSecure authorization value
  alt_pay_method long 1 If you wish to use the account's current form of payment, leave this value empty. If you wish to use an alternate card, enter '1' for this value.
  cc_number string 24 Card number.
  cc_expire_mm long 2 Expiration month for the card payment instrument.
  cc_expire_yyyy long 4 Expiration year for the card payment instrument.
  bill_company_name string 100 Company name of the billing contact
  bill_first_name string 32 First name of the billing contact
  bill_middle_initial string 1 Middle Initial of the billing contact
  bill_last_name string 100 Last name of the billing contact
  bill_address1 string 100 First address line of the billing contact
  bill_address2 string 100 Second address line of the billing contact. If you want to delete existing data in this field, leaving it blank, you must enter a '~' in this field.
  bill_city string 32 City of the billing contact
  bill_locality string 32 Locality of the billing contact. Use this field instead of the <bill_state_prov> field to identify the state, province, or other local designation as appropriate for addresses in all countries other than the United States, Australia, and Canada. This field is ignored for all addresses in the United States, Australia, and Canada.
  bill_state_prov string 10 State or province of the billing contact.

The official postal-service code for any state, province, or territory in the United States, Australia, or Canada. This field does not support states, provinces, or territories in other countries.

This field is ignored for all addresses outside the United States, Australia, and Canada. Use the <bill_locality> field for addresses in those countries.
  bill_zip string 16 Zip Code of the billing contact
  bill_country string 2 Country of the billing contact. The ISO-compliant 2-character country code abbreviation in uppercase.
  bill_email string 320 Email of the billing contact
  bill_phone string 25 Phone of the billing contact
  bill_phone_extension string 20 Phone extension of the billing contact
  bill_cell_phone string 25 The billing cell phone associated with the account
  bill_work_phone string 25 Work phone of the billing contact
  bill_work_phone_extension string 20 Work phone extenstion of the billing contact
  currency_cd string 8 The 3-character ISO-compliant currency code in lowercase for monetary values used in the context of this API method.
  acct_group_no long 8 The collections account group for this account
  OR      
  client_acct_group_id string 100 The client-assigned group ID
  bill_address3 string 300 The third line of the billing address
  alt_client_acct_group_id string 100 One-time collections account group to use for this specific call. Default collections group on the account is not changed.
  track_data1 string 1000 Raw "track 1" data from a swiped card used in a card-present transaction to initiate this request
  track_data2 string 1000 Raw "track 2" data from a swiped card used in a card-present transaction to initiate this request
  alt_caller_id string 30 Person or process that submitted the API call. This can be someone's user ID, or the name of an application.
  optional_transaction_qualifiers array   Array of additional values you can associate with this API call.
  brd_arrow.gif qualifier_name string 100 Name of the field you want to associate with this API call.
  brd_arrow.gif qualifier_value string 100 Corresponding value of the field you want to associate with this API call.
  fraud_filter long 1

Enables or disables fraud filtering. If no value is provided, the system will default to 2.

To use fraud filtering, you must have it enabled and configured in your payment gateway. Contact your payment gateway representative for setup information and additional documentation.


Notes:

  • If you set this field to 0, then Aria will ignore all other fraud filtering fields.
  • If you set this field to 1, then Aria will apply the values that you specified in the other fraud filtering fields. However, if you pass -1 into any fraud filtering field, Aria will ignore that field.
  • If you set this field to 2, then Aria will apply the values that you specified in the other fraud filtering fields.
Values Description
0 false (disable)

Note: If you set this field to 0, then Aria will ignore all other fraud filtering fields.
1 true (enable)

Note: If you set this field to 1, then Aria will apply the values that you specified in the other fraud filtering fields. However, if you pass -1 into any fraud filtering field, Aria will ignore that field.
2 Use settings specified at the collection group or payment gateway level.

Note: If you set this field to 2, then Aria will apply the values that you specified in the other fraud filtering fields.
  fraud_control_fields array  

Your chosen fraud protection options passed as an array of fraud_control_field_name/fraud_control_field_value key-value pairs. This array allows you to specify your fraud filtering options.

To use fraud filtering, you must have fraud functionality enabled and configured in your payment gateway's portal. Contact your payment gateway representative for setup information and additional documentation.

The allowable fields and values for the key-value pairs are highlighted in blue below.
  fraud_control_field_name Field Type Max Length fraud_control_field_value:
  • Field Type: string
  • Max Length: 100
  brd_arrow.gif fraud_filtering_enabled string 100 Indicates whether to send a request to the processor for fraud filtering information. If you set it to 0 (disable), then Aria will ignore all other fraud filtering fields.
Values Description
0 disable
1 enable
-1 Use settings specified at the collection group or payment gateway level.
  brd_arrow.gif change_status_on_fraud_filtering_failure string 100 Indicates whether to change the status of the account or master plan instance(s) if:
  • The fraud filtering request returns a failure response; and
  • fraud_filtering_enabled is set to 1 (enable).
Set it to 1 (true) if you want to change the status. Set it to 0 (false) if you do not want to change the status.
Values Description
0 false
1 true
-1 Use settings specified at the collection group or payment gateway level.
  brd_arrow.gif status_on_fraud_filtering_failure string 100 If change_status _on_fraud_filtering_failure is set to true and the fraud filtering request returns a failure response, use this field to indicate the desired status of the account.
  brd_arrow.gif change_status_on_fraud_filtering_review string 100 Indicates whether to change the status of the account or master plan instance(s) if fraud_filtering_enabled is set to 1 (enable). Set it to 1 (true) if you want to change the status. Set it to 0 (false) if you do not want to change the status.
Values Description
0 false
1 true
-1 Use settings specified at the collection group or payment gateway level.
  brd_arrow.gif status_on_fraud_filtering_review string 100 If change_status _on_fraud_filtering_review is set to 1 (true), use this field to indicate the desired status of the account.
  brd_arrow.gif

change_status_on_fraud_filtering_cc_prefix_failure

 string 100 Indicates whether to change the status of the account if the purchase transaction failed the fraud filtering check for the credit card prefix. Set it to 1 (true) if you want to change the status. Set it to 0 (false) if you do not want to change the status. (applies to Direct Post)
Values Description
0 false
1 true
  brd_arrow.gif status_on_fraud_filtering_cc_prefix_failure string 100 If change_status_on_fraud_filtering_cc_prefix_failure is set to 1 (true), use this field to indicate the desired status of the account. (applies to Direct Post)
  brd_arrow.gifchange_status_on_fraud_filtering_cc_number_failure string 100 Indicates whether to change the status of the account if the purchase transaction failed the fraud filtering check for the credit card number. Set it to 1 (true) if you want to change the status. Set it to 0 (false) if you do not want to change the status. (applies to Direct Post)
Values Description
0 false
1 true
  brd_arrow.gif status_on_fraud_filtering_cc_number_failure string 100 If change_status_on_fraud_filtering_cc_number_failure is set to 1 (true), use this field to indicate the desired status of the account. (applies to Direct Post)
  brd_arrow.gifchange_status_on_fraud_filtering_cc_issuing_country_failure string 100 Indicates whether to change the status of the account if the purchase transaction failed the fraud filtering check for the credit card issuing country. Set it to 1 (true) if you want to change the status. Set it to 0 (false) if you do not want to change the status. (applies to Direct Post)
Values Description
0 false
1 true
  brd_arrow.gifstatus_on_fraud_filtering_cc_issuing_country_failure string 100 If change_status_on_fraud_filtering_cc_issuing_country_failure is set to 1 (true), use this field to indicate the desired status of the account. (applies to Direct Post)
  brd_arrow.gifchange_status_on_fraud_filtering_cc_issuing_country_suspect string 100 Indicates whether to change the status of the account if the fraud filtering check for the credit card issuing country returned a "suspect" value. Set it to 1 (true) if you want to change the status. Set it to 0 (false) if you do not want to change the status. (applies to Direct Post)
Values Description
0 false
1 true
  brd_arrow.gifstatus_on_fraud_filtering_cc_issuing_country_suspect string 100 If change_status_on_fraud_filtering_cc_issuing_country_suspect is set to 1 (true), use this field to indicate the desired status of the account. (applies to Direct Post)
End of fraud_control_fields array
Req Field Name Field Type Max Length Description
  perform_marketing_insights_inquiry long 2 Returns marketing information if your payment processor support is and is configured in Aria.
Values Description
NULL or -1 (Default) Use client-defined settings
0 Do not return
1 Return
  perform_balance_inquiry long 1 When supported, this will provide a balance inquiry that reflects the current balance for prepaid cards and gift cards.
Values Description
0 (default) False, do not return card balance.
1 True, do not return card balance.
  perform_card_type_detail_inquiry long 1 This feature will return marketing information if your payment processor supports it and configured in Aria.
Values Description
-1 Use Client Defined Settings (Default)
0 Do Not Return
1 Return
Start of proc_field_override array
  brd_arrow.gif proc_field_override array  

Your chosen data to send to your payment gateway passed as an array of proc_field_name/proc_field_value key-value pairs.

The allowable field(s) and values for the key-value pairs are listed below.
  Field Name Field Type Max Length Description
    brd_arrow.gifbrd_arrow.gif transaction_type string 2

If you use Chase Paymentech, this field allows you to tell that payment gateway which transaction type is involved (examples: single or recurring transaction) when you process a customer's  payment information.

This field applies to credit cards and tokenized credit cards. If you don't pass a value into this field, it will default to -1 (use client configuration settings).

 

Notes:

  • The value that you pass into this field will override the Recurring Options that you set in the Aria application under:
    • Configuration > Payments > Payment Gateways > Chase Paymentech > Gateway Options; and
    • Configuration > Payments > Collection Groups > Chase Paymentech > Collection Group Options.
  • Currently, only Chase Paymentech supports this field. Other payment gateways might not honor all of the allowable values for this field. You will need to check your payment gateway documentation for confirmation.
 

Aria will use this order of precedence to determine the transaction type:

  1. value passed into this field
  2. collection group configuration
  3. payment gateway configuration
  4. transaction type that you specified in the <recurring_processing_model_ind> field
Values Description
-1 Use client configuration settings for "Send Transaction Type as Recurring for Initial Request Where Possible" or "Send Transaction Type as Recurring for Subsequent Request" as applicable. (default)
1 Single transaction mail/telephone order (MOTO) - Designates a transaction where the accountholder is not present at a merchant location and completes the sale over the phone or through the mail. The transaction is not for recurring services or products and does not include sales that are processed via an installment plan.
2 Recurring Transaction - Designates a transaction that represents an arrangement between an accountholder and the merchant where transactions are going to occur on a periodic basis.
3 Installment Transaction - Designates a group of transactions that originated from a single purchase where the merchant agrees to bill the accountholder in installments.
4 Deferred Transaction - Designates a transaction that represents an order with a payment delayed for a specified amount of time.
5 Secure Electronic Commerce Transaction - Designates a transaction completed via the Internet at a 3-D Secure capable merchant and in which the accountholder was fully authenticated. (examples: 3-D Secure includes Verified by Visa, Mastercard Identity Check, American Express SafeKey and Discover ProtectBuy.)
6 Non-Authenticated Electronic Commerce Transaction - Designates a transaction completed via the Internet at a 3-D Secure capable merchant that attempted to authenticate the accountholder using 3-D Secure (examples: 3-D Secure includes Verified by Visa and Mastercard Identity Check.) Verified by Visa, Mastercard Identity Check, American Express SafeKey and Discover ProtectBuy transactions in the event of: * A non-participating issuer * A non-participating accountholder of a participating issuer * A participating issuer, but the authentication server is not available
7 Channel Encrypted Transaction - Designates a transaction between an accountholder and a merchant completed via the Internet where the transaction includes the use of transaction encryption such as SSL (Secure Sockets Layer), but authentication was not performed. The accountholder payment data was protected with a form of Internet security, such as SSL, but authentication was not performed. For Discover, indicates an e-commerce Card Transaction with data protection in which ProtectBuy for Cardholder authentication was not used.
8 Non-Secure Electronic Commerce Transaction - Designates a transaction between an accountholder and a merchant completed via the Internet where: * The transaction does not include the use of any transaction encryption such as SSL * Authentication is not performed * An accountholder certificate is not managed.
I IVR Transaction (PINless Debit only) - Designates a transaction where the accountholder completes the sale via an interactive voice response (IVR) system.
R Retail Transaction - Designates a transaction where the accountholder was present at a merchant location.
 

Output Arguments

Field Name Field Type Description
error_code long Aria-assigned error identifier. 0 indicates no error.
error_msg string Description of any error that occurred. "OK" if there was no error.
proc_cvv_response string The processor return code from CVV validation.
proc_avs_response string Processor return code from address validation
proc_cavv_response string The processors return code for security validation.
proc_status_code string The processor status code
proc_status_text string The processors status description
proc_payment_id string The processor payment ID
proc_auth_code string Authorization code provided by the issuing bank
proc_merch_comments string Additional information passed to payment processor
proc_fraud_filter_response string The fraud filtering information provided by the payment processor in response to a fraud filtering request.
proc_fraud_filtering_info array The fraud filtering information provided by the payment processor as described below.
 brd_arrow.gif proc_fraud_country_status string Fraud country status provided by the payment processor.
 brd_arrow.gif proc_fraud_country_code string Fraud country code provided by the payment processor.
proc_prepaid_indicator string Additional information passed back from processor identifying this card as a prepaid card (if available).
proc_prepaid_available_balance long Additional information passed back from processor for available balance on prepaid card (if available).
proc_prepaid_reloadable string Additional information passed back from processor identifying whether or not the prepaid card is reloadable (if available).
proc_prepaid_card_type string Additional information passed back from processor to categorize the type of prepaid card (if available).
proc_issuing_country string Additional information passed back from processor indicating issuing country for the card.
proc_card_product_type string Additional information passed back from processor indicating whether the submitted card is a commercial or consumer card, providing you with additional data useful when analyzing sales patterns and/or planning marketing campaigns.
proc_signature_debit_ind string Additional information passed back from processor identifying this card as a signature debit card.
proc_pinless_debit_ind string Additional information passed back from processor identifying this card as PINless-debit-eligible.
proc_durbin_regulated_ind string Additional information passed back from processor identifying this card as Durbin Regulated.
proc_card_available_balance string Additional information passed back from processor for available balance on gift card if available.
proc_affluence_type string Additional information passed back from processor indicating if card is affluent.
collection_error_code long If a collection is attempted, returns the error code associated with the collection.
collection_error_msg string The error message associated with collection_error_code.
 
 
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