Verificación de tarjeta

Yuno te permite verificar si la tarjeta de crédito del cliente es real y está funcionando. Nuestra API de verificación de tarjetas de crédito está diseñada para dotar a sus aplicaciones de un mecanismo sólido para validar transacciones con tarjetas de crédito, garantizando una experiencia de pago segura y fluida para sus usuarios. Esta operación no genera ningún cargo para su cliente.

Ventajas

Con el servicio de verificación de tarjetas Yuno, podrás proteger tu negocio en tiempo real:

Verificación en tiempo real: Valida al instante los datos de la tarjeta de crédito para garantizar su exactitud y autenticidad.
Prevención del fraude: Mitigue el riesgo de transacciones fraudulentas verificando la legitimidad de la información de la tarjeta de crédito.
Integración perfecta: Integra fácilmente nuestra API en tu sistema de procesamiento de pago existente, minimizando el tiempo y el esfuerzo de desarrollo.

Integración

Primero, debe definir una ruta para utilizar la función de verificación de tarjeta. Al configurar la ruta, asegúrese de seleccionar:

Tarjeta como método de pago.
Defina el tipo de transacción igual a VERIFICAR.

Con las configuraciones anteriores, todas las verificaciones de tarjetas se procesarán siguiendo la configuración de la ruta creada.

📘
Selecciona el proveedor correcto

No todos los proveedores proporcionan el proceso de verificación de la tarjeta de crédito. Comuníquese siempre con su administrador técnico de cuentas para verificar qué proveedores admiten la verificación de tarjetas.

Yuno utiliza una autorización de cero dólares para la validación de tarjetas. Si el proveedor no admite este proceso, internamente:

Autorizar el monto mínimo posible y luego cancelar la autorización de tarjetas de crédito.

Realizar una compra por el mínimo importe posible y luego reembolsarlo con tarjeta de débito.

Además de crear la ruta, debe elegir cuándo utilizar la validación. Puede verificar las tarjetas durante el proceso de inscripción o mientras realiza un pago con tarjeta de crédito. Dependiendo del proceso que elija, deberá utilizar diferentes endpoints o funciones del SDK.

Verificar la tarjeta en la inscripción

Puede verificar la tarjeta en el momento de la inscripción, ya sea que esté utilizando las integraciones Direct o SDK.

Integración del SDK

Si está utilizando una integración basada en SDK, debe definir el verify objeto, informando al currency y vault_on_success = true al realizar la inscripción. El siguiente bloque de código presenta un ejemplo de solicitudes y respuestas de verificación de tarjetas utilizando el SDK.

{
  "payment_method_type": "CARD",
	"country":"DE",
	"account_id":"493e9374-510a-4201-9e09-de669d75f256",
    "verify": {
        "vault_on_success": true,
        "currency": "EUR"
    }
}

{
    "id": "fbc68364-0456-41b6-9743-1acb07d55f14",
    "idempotency_key": null,
    "account_id": "493e9374-510a-4201-9e09-de669d75f256",
    "name": "Card",
    "description": "Card",
    "type": "CARD",
    "category": "CARD",
    "country": "BR",
    "status": "READY_TO_ENROLL",
    "created_at": "2024-01-31T14:44:33.552281Z",
    "updated_at": "2024-01-31T14:44:33.552283Z",
    "enrollment": {
        "session": "232b123d-c4d9-4ddc-b776-e0b0eaa6bb8b",
        "sdk_required_action": true
    },
    "provider": {
        "id": "YUNO",
        "type": "YUNO",
        "provider_status": null
    },
    "customer_payer": {
        "first_name": "Fernando",
        "last_name": "Iglesias",
        "email": "[email protected]",
        "gender": null,
        "date_of_birth": null,
        "document": null,
        "phone": null,
        "billing_address": null
    },
    "verify": {
        "vault_on_success": true,
        "currency": "BRL",
        "payment": null
    },
    "preferred": null
}

Acceda a la página de integración del SDK para obtener información adicional relacionada con el proceso de inscripción.

Integración directa

Para verificar la tarjeta en la inscripción con la integración Directa, utilizará el Registrar Método de Pago endpoint. Además de card_data objeto, debe proporcionar el verifyobjeto. Dentro de la verify objeto que usted define currency y proporcionar vault_on_success = true. El bloque de código a continuación presenta un ejemplo de solicitudes y respuestas de verificación de tarjeta utilizando el Registrar Método de Pago.

{
    "account_id": "493e9374-510a-4201-9e09-de669d75f256",
    "country": "DE",
    "type": "CARD",
    "workflow": "DIRECT",
    "card_data": {
        "holder_name": "John Smith",
        "expiration_month": 10,
        "expiration_year": 24,
        "number": "4988080000000000",
        "security_code": "123"
    },
    "verify": {
        "vault_on_success": true,
        "currency": "EUR"
    }
}

{
    "name": "VISA ****0000",
    "description": "VISA ****0000",
    "type": "CARD",
    "category": "CARD",
    "country": "BR",
    "status": "ENROLLED",
    "sub_status": null,
    "vaulted_token": "5d4d8b95-c6f8-4336-b051-9eb06a436139",
    "callback_url": null,
    "action": "FORM",
    "redirect_url": null,
    "created_at": "2024-01-31T14:47:39.643700Z",
    "updated_at": "2024-01-31T14:47:39.643701Z",
    "card_data": {
        "iin": "49880800",
        "lfd": "0000",
        "expiration_month": 10,
        "expiration_year": 24,
        "number_length": 16,
        "security_code_length": 3,
        "brand": "VISA",
        "issuer": null,
        "issuer_code": null,
        "category": "BUSINESS ENHANCED",
        "type": "DEBIT"
    },
    "last_successfully_used": null,
    "last_successfully_used_at": null,
    "preferred": null,
    "verify": {
        "vault_on_success": true,
        "currency": "BRL",
        "payment": {
            "id": "0aacd66c-6933-4827-813f-8d76637f874d",
            "account_id": "493e9374-510a-4201-9e09-de669d75f256",
            "description": "VERIFY CARD",
            "country": "BR",
            "status": "SUCCEEDED",
            "sub_status": "VERIFIED",
            "merchant_order_id": "VERIFY_CARD_5d4d8b95-c6f8-4336-b051-9eb06a436139",
            "created_at": "2024-01-31T14:47:39.717571Z",
            "updated_at": "2024-01-31T14:47:41.617945Z",
            "amount": {
                "currency": "BRL",
                "value": 0,
                "refunded": 0,
                "captured": 0
            },
            "transactions": [
                {
                    "id": "ead4ed19-5998-4b40-9910-d2dfe25b9fe0",
                    "type": "VERIFY",
                    "status": "SUCCEEDED",
                    "response_code": "SUCCEEDED",
                    "response_message": "Transaction successful",
                    "category": "CARD",
                    "merchant_reference": "VERIFY_CARD_5d4d8b95-c6f8-4336-b051-9eb06a436139",
                    "provider_data": {
                        "id": "CIELO",
                        "transaction_id": "",
                        "account_id": "",
                        "status": "true",
                        "sub_status": "",
                        "status_detail": "",
                        "response_message": "Transacao autorizada",
                        "response_code": null,
                        "raw_response": {
                            "ReturnCode": "00",
                            "ReturnMessage": "Transacao autorizada",
                            "Valid": true
                        },
                        "third_party_transaction_id": null,
                        "third_party_account_id": null
                    },
                    "created_at": "2024-01-31T14:47:39.827470Z",
                    "updated_at": "2024-01-31T14:47:41.567732Z"
                }
            ]
        }
    }
}

📘
Disponibilidad de la función de verificación
La función de verificación en la inscripción solo está disponible para comerciantes que cumplen con PCI cuando utilizan la integración directa.

Verificar la tarjeta al realizar el pago.

Si deseas verificar la tarjeta mediante una operación de pago, debes cumplir dos requisitos:

Informar amount.value=0.
Agregar verify = true dentro de la payment_method.detail.card. .

Siguiendo las instrucciones anteriores, la operación resultante no generará ningún cargo para su cliente.

Integración del SDK

El siguiente bloque de código presenta un ejemplo de verificación de tarjeta utilizando la operación de pago para una integración de SDK.

{
    "description": "Test Cards",
    "account_id": "493e9374-510a-4201-9e09-de669d75f256",
    "merchant_order_id": "0000022",
    "merchant_reference": "Test Payment",
    "country": "DE",
    "amount": {
        "currency": "EUR",
        "value": 0
    },
    "checkout": {
        "session": "5752d02a-64d2-4953-b8f7-defff1e1b7e6"
    },
    "customer_payer": {
        "id": "9d58f32a-1ec9-4092-94b2-6725363ab447"
    },
    "payment_method": {
        "token": "2c37e3b7-8b06-4e8b-a212-334d7c77e349",
        "detail": {
            "card": {
                "verify":true
            }
        }
    }
}

{
    "id": "47646d8b-1f99-4097-9df2-3097bf318bb9",
    "account_id": "493e9374-510a-4201-9e09-de669d75f256",
    "description": "Test Cards",
    "country": "BR",
    "status": "SUCCEEDED",
    "sub_status": "VERIFIED",
    "merchant_order_id": "0000022",
    "created_at": "2024-01-31T15:19:03.599525Z",
    "updated_at": "2024-01-31T15:19:06.992590Z",
    "amount": {
        "captured": 0,
        "currency": "BRL",
        "refunded": 0,
        "value": 0
    },
    "checkout": {
        "session": "5752d02a-64d2-4953-b8f7-defff1e1b7e6",
        "sdk_action_required": false
    },
    "payment_method": {
        "vaulted_token": "1f275d9f-a60a-4643-a5b0-ae6e40019fd1",
        "type": "CARD",
        "vault_on_success": true,
        "token": "2c37e3b7-8b06-4e8b-a212-334d7c77e349",
        "payment_method_detail": {
            "card": {
                "verify": true,
                "capture": true,
                "installments": 1,
                "first_installment_deferral": 0,
                "installments_type": "",
                "installment_amount": null,
                "soft_descriptor": "",
                "authorization_code": "",
                "retrieval_reference_number": "",
                "voucher": null,
                "card_data": {
                    "holder_name": "Pepito Perez2",
                    "iin": "49880800",
                    "lfd": "0000",
                    "number_length": 16,
                    "security_code_length": 3,
                    "brand": "VISA",
                    "issuer_name": "DEUTSCHE BANK AG INDIA",
                    "issuer_code": null,
                    "category": "BUSINESS ENHANCED",
                    "type": "DEBIT",
                    "three_d_secure": {
                        "version": null,
                        "electronic_commerce_indicator": null,
                        "cryptogram": null,
                        "transaction_id": null,
                        "directory_server_transaction_id": null,
                        "pares_status": null,
                        "acs_id": null
                    }
                }
            }
        }
    },
    "customer_payer": {
        "id": "9d58f32a-1ec9-4092-94b2-6725363ab447",
        "merchant_customer_id": "1706712254",
        "first_name": "Fernando",
        "last_name": "Iglesias",
        "gender": "",
        "date_of_birth": null,
        "email": "[email protected]",
        "nationality": null,
        "ip_address": "181.117.11.229",
        "device_fingerprint": null,
        "browser_info": {
            "user_agent": "",
            "accept_header": "",
            "accept_content": null,
            "accept_browser": null,
            "color_depth": "",
            "screen_height": "",
            "screen_width": "",
            "javascript_enabled": null,
            "java_enabled": null,
            "browser_time_difference": null,
            "language": ""
        },
        "document": {
            "document_type": "DNI",
            "document_number": "38799992"
        },
        "phone": null,
        "billing_address": null,
        "shipping_address": null
    },
    "additional_data": null,
    "taxes": null,
    "transactions": {
        "id": "9be01510-afab-450a-86cc-916d0d4cd8a5",
        "type": "VERIFY",
        "status": "SUCCEEDED",
        "category": "CARD",
        "amount": 0,
        "provider_id": "CIELO",
        "payment_method": {
            "vaulted_token": "1f275d9f-a60a-4643-a5b0-ae6e40019fd1",
            "type": "CARD",
            "vault_on_success": true,
            "token": "2c37e3b7-8b06-4e8b-a212-334d7c77e349",
            "detail": {
                "card": {
                    "verify": true,
                    "capture": true,
                    "installments": 1,
                    "first_installment_deferral": 0,
                    "installments_type": "",
                    "installment_amount": null,
                    "soft_descriptor": "",
                    "authorization_code": "",
                    "retrieval_reference_number": "",
                    "voucher": null,
                    "card_data": {
                        "holder_name": "Pepito Perez2",
                        "iin": "49880800",
                        "lfd": "0000",
                        "number_length": 16,
                        "security_code_length": 3,
                        "brand": "VISA",
                        "issuer_name": "DEUTSCHE BANK AG INDIA",
                        "issuer_code": null,
                        "category": "BUSINESS ENHANCED",
                        "type": "DEBIT",
                        "three_d_secure": {
                            "version": null,
                            "electronic_commerce_indicator": null,
                            "cryptogram": null,
                            "transaction_id": null,
                            "directory_server_transaction_id": null,
                            "pares_status": null,
                            "acs_id": null
                        }
                    }
                }
            }
        },
        "response_code": "SUCCEEDED",
        "response_message": "Transaction successful",
        "reason": null,
        "description": "Test Cards",
        "merchant_reference": "Pago de test 001",
        "provider_data": {
            "id": "CIELO",
            "transaction_id": "",
            "account_id": "",
            "status": "true",
            "sub_status": "",
            "status_detail": "",
            "response_message": "Transacao autorizada",
            "response_code": "SUCCEEDED",
            "raw_response": {
                "ReturnCode": "00",
                "ReturnMessage": "Transacao autorizada",
                "Valid": true
            },
            "third_party_transaction_id": "",
            "third_party_account_id": ""
        },
        "created_at": "2024-01-31T15:19:03.704095Z",
        "updated_at": "2024-01-31T15:19:06.639476Z"
    },
    "split": [],
    "callback_url": "https://google.com/?checkoutSession=5752d02a-64d2-4953-b8f7-defff1e1b7e6",
    "workflow": "SDK_CHECKOUT",
    "metadata": [],
    "fraud_screening": null,
    "payment_link_id": "",
    "subscription_code": null
}

Integración directa

El bloque de código a continuación presenta un ejemplo de verificación de tarjeta utilizando la operación de pago para una integración directa.

{
    "description": "SUCCESSFUL",
    "account_id": "{{account-code}}",
    "merchant_order_id": "0000023",
    "country": "DE",
    "merchant_reference" : "reference-{{$randomUUID}}",
    "amount": {
        "currency": "EUR",
        "value": 0
    },
    "customer_payer": {
        "first_name": "John",
        "last_name": "Smith",
        "merchant_customer_id": "example00234"
    },
    "workflow": "DIRECT",
    "payment_method": {
        "type": "CARD",
        "detail": {
            "card": {
                "capture": true,
                "verify":true,
                "card_data": {
                    "number": "4988080000000000",
                    "holder_name": "JOHN SMITH",
                    "expiration_month": 10,
                    "expiration_year": 24,
                    "security_code": "456"
                }
            }
        }
    }
}

{
    "id": "bcb42b81-c729-48cb-b782-1a0b6b706b31",
    "account_id": "493e9374-510a-4201-9e09-de669d75f256",
    "description": "SUCCESSFUL",
    "country": "CO",
    "status": "SUCCEEDED",
    "sub_status": "VERIFIED",
    "merchant_order_id": "0000023",
    "created_at": "2024-01-31T15:07:04.513703Z",
    "updated_at": "2024-01-31T15:07:06.573556Z",
    "amount": {
        "captured": 0,
        "currency": "COP",
        "refunded": 0,
        "value": 0
    },
    "checkout": {
        "session": "",
        "sdk_action_required": false
    },
    "payment_method": {
        "vaulted_token": "",
        "type": "CARD",
        "vault_on_success": false,
        "token": "",
        "payment_method_detail": {
            "card": {
                "verify": true,
                "capture": true,
                "installments": 1,
                "first_installment_deferral": 0,
                "installments_type": "",
                "installment_amount": null,
                "soft_descriptor": "",
                "authorization_code": "",
                "retrieval_reference_number": "",
                "voucher": null,
                "card_data": {
                    "holder_name": "JOHN DOE",
                    "iin": "49880800",
                    "lfd": "0000",
                    "number_length": 16,
                    "security_code_length": 3,
                    "brand": "VISA",
                    "issuer_name": "DEUTSCHE BANK AG INDIA",
                    "issuer_code": null,
                    "category": "BUSINESS ENHANCED",
                    "type": "DEBIT",
                    "three_d_secure": {
                        "version": null,
                        "electronic_commerce_indicator": null,
                        "cryptogram": null,
                        "transaction_id": null,
                        "directory_server_transaction_id": null,
                        "pares_status": null,
                        "acs_id": null
                    }
                }
            }
        }
    },
    "customer_payer": {
        "id": null,
        "merchant_customer_id": "example00234",
        "first_name": "Pepito",
        "last_name": "Perez",
        "gender": null,
        "date_of_birth": null,
        "email": null,
        "nationality": null,
        "ip_address": null,
        "device_fingerprint": null,
        "browser_info": {
            "user_agent": "",
            "accept_header": "",
            "accept_content": null,
            "accept_browser": null,
            "color_depth": "",
            "screen_height": "",
            "screen_width": "",
            "javascript_enabled": null,
            "java_enabled": null,
            "browser_time_difference": null,
            "language": ""
        },
        "document": {
            "document_type": "CC",
            "document_number": "38799999"
        },
        "phone": null,
        "billing_address": null,
        "shipping_address": null
    },
    "additional_data": null,
    "taxes": null,
    "transactions": {
        "id": "f0da4c61-0c39-493b-a274-16d204fefad9",
        "type": "VERIFY",
        "status": "SUCCEEDED",
        "category": "CARD",
        "amount": 0,
        "provider_id": "CIELO",
        "payment_method": {
            "vaulted_token": "",
            "type": "CARD",
            "vault_on_success": false,
            "token": "",
            "detail": {
                "card": {
                    "verify": true,
                    "capture": true,
                    "installments": 1,
                    "first_installment_deferral": 0,
                    "installments_type": "",
                    "installment_amount": null,
                    "soft_descriptor": "",
                    "authorization_code": "",
                    "retrieval_reference_number": "",
                    "voucher": null,
                    "card_data": {
                        "holder_name": "JOHN DOE",
                        "iin": "49880800",
                        "lfd": "0000",
                        "number_length": 16,
                        "security_code_length": 3,
                        "brand": "VISA",
                        "issuer_name": "DEUTSCHE BANK AG INDIA",
                        "issuer_code": null,
                        "category": "BUSINESS ENHANCED",
                        "type": "DEBIT",
                        "three_d_secure": {
                            "version": null,
                            "electronic_commerce_indicator": null,
                            "cryptogram": null,
                            "transaction_id": null,
                            "directory_server_transaction_id": null,
                            "pares_status": null,
                            "acs_id": null
                        }
                    }
                }
            }
        },
        "response_code": "SUCCEEDED",
        "response_message": "Transaction successful",
        "reason": null,
        "description": "SUCCESSFUL",
        "merchant_reference": "reference-d3286de8-0c0b-4681-b29c-0a82a67de8ba",
        "provider_data": {
            "id": "CIELO",
            "transaction_id": "",
            "account_id": "",
            "status": "true",
            "sub_status": "",
            "status_detail": "",
            "response_message": "Transacao autorizada",
            "response_code": "SUCCEEDED",
            "raw_response": {
                "ReturnCode": "00",
                "ReturnMessage": "Transacao autorizada",
                "Valid": true
            },
            "third_party_transaction_id": "",
            "third_party_account_id": ""
        },
        "created_at": "2024-01-31T15:07:04.628781Z",
        "updated_at": "2024-01-31T15:07:06.512878Z"
    },
    "split": [],
    "workflow": "DIRECT",
    "metadata": [],
    "fraud_screening": null,
    "payment_link_id": "",
    "subscription_code": null
}

🚧
Importante
La función de verificación en el pago solo está disponible para comerciantes que cumplen con PCI cuando utilizan la integración directa.