Does the PaymentAccountCreate method validate the expiration date of the credit card

[#1]

We recently accepted a credit card where the expiration date was 02/20 but when we attempted to charge the card the response was Expired Card. I asked relationship manager to help us, she did a review of the card and found other transactions from other merchants however she shows the correct expiration date is 02/21. 

My question is when we call the PaymentAccountCreate method does it validate the expiration date on the card? If it does not then how do we know if we have entered the correct expiration date? 

[paulblick]

Hi smclark354‌,

PaymentAccountCreate does NOT validate the card against the Auth network - it just performs a MOD10/luhn check to confirm that the card number conforms to the appropriate formatting.

I would recommend that you consider performing a CreditCardAuthorization for an Amount of $0.00 - this will validate the card number, expiration date, and CVV/AVS if needed.
Then you can perform PaymentAccountCreateWithTransID to generate a PASS record.
I recommend that you reference the Express API Spec for specifics: https://developer.vantiv.com/docs/DOC-1353

Let us know if you have further questions or concerns.

- paulblick‌

[smclark354]

Paul,

Thanks for the response I've been trying for about a week to get someone from WorldPay to answer that question. I spoke to our relationship manager and to our development integrations consultant but they were not able to give me a response to that question. 

Somewhere in the developer resources it mentions a document called the Vantiv eCommerce XML Reference Guide but I have not been able to find a downloadable copy or get it from either one of the people I mentioned in the above paragraph. Any idea where I could find it?

Thanks,

Steve 

[paulblick]

Hi smclark354‌,

I was able to find a record of our project in our system.
Based on some notes I'm seeing I believe that this is the documentation that you'll need to be focusing on for your project:
Express API Spec: https://developer.vantiv.com/docs/DOC-1353

I recommend that you schedule a call with your Implementation Consultant to ensure that we're aligned properly on your integration effort. I'll follow up internally to ask for your Partnership Liaison to assist with scheduling this call.

Regards,

- paulblick‌

[smclark354]

Paul,

Thanks I already have that document. I ran a CreditCardAVSOnly on some of the PaymentAccountID's and found that some of the responses are ExpiredCard and some say DeclinedCard. Since this method does not request authorization but can be used by merchants to determine whether to accept a transaction or not does that mean that the DeclinedCard responses are declined as of the time the method was run and they could be approved at some other time? 

I will have to look further into the cards who's responses were ExpiredCard, but for now I think we need to verify that we have the correct expiration dates for those cards.

Thanks,

Steve 

[paulblick]

smclark354,

Yes I agree with your thought process.

How were those PaymentAccounts created originally?

If you did a PaymentAccountCreate without first doing an Authorization to validate the card, then it's possible that the PASS token would include unusable data - perhaps an expired card, etc. If you hand-keyed in the card data, you may have mis-keyed the expiry date, or the card number itself.

In general I recommend that you throw out any PaymentAccounts that you have, and that you start with a clean-slate.

As long as you do the PaymentAccountCreateWithTransID based off of an Approved $0.00 Authorization, then you know the PASS record is good, at least in terms of the expiration-date on the card.

Hope that helps. Please align with your integration consultant for next steps on your project.

Regards,

- paulblick‌

[smclark354]

The PaymentAccounts were created without first doing an Authorization and the expiration dates may have been keyed in incorrectly. I have access to the Virtual Terminal for all of our locations as was able to see that there were transactions from other merchants for the same cards and when I compared the expiration dates some of them were different. I was able to do a PaymentAccountUpdate to correct some of the card and they were processed without error. 

I also had one CheckSale (ACH) which came back with an error that I have not been able to figure out the result message says "Invalid Company Number (should be 6 digits).(Invalid Data). Any idea what may be causing this error?

Thanks,

Steve 

[paulblick]

smclark354‌,

I'm unsure what is causing that specific error. We'd need to take a look at your CheckSale request.

At this point I must recommend that you align with your assigned API Implementation Consultant so that they can work directly with you as you move forward with the project.
It will likely be easier to work through these problems via e-mail or through some conference call working sessions.

Thanks,

- paulblick‌

[smclark354]

I have been having some difficulty getting timely responses from my assigned Developer Integrations Consultant. I sent her an email last Friday 11/16 at 8:20 AM regarding this error but have yet to receive a response. I also left her a voice mail this morning just in case she did not see my email but no response as of yet. I do understand that everyone is busy and I'm just one of many customers but when I'm not able to process a payment I feel like this issue should be escalated to help us resolve it. 

You have mentioned an assigned API Implementation Consultant the person I have been communicating with has a different title maybe I'm talking to the wrong person? 

Thanks,

Steve 

[paulblick]

I aligned with your point of contact and that person will be reaching out shortly.

Thank you for your patience. 

[smclark354]

Thank you, I appreciate the help.

Steve