{"templateId":"markdown","sharedDataIds":{"sidebar":"sidebar-products/card-verifications/sidebars.yaml","current-catalog-info":"current-catalog-info-/products/card-verifications/openapi"},"props":{"metadata":{"markdoc":{"tagList":["admonition"]},"custom_product":"Card Verifications","type":"markdown"},"seo":{"title":"Versioning and change log","description":"Worldpay for Developers - docs, code examples, resources and tools. Everything you need to build your omnichannel payment solution.","siteUrl":"https://docs.worldpay.com/access","image":"/access/assets/worldpay-logo-light.21b7daf79984773a9fcd7d4fbcb07ae5289dfffd6023c4c3dca720c7058e53dc.33f780a6.svg","keywords":"documentation, api, openapi, sdks, developer, payments, json, payouts, 3ds","jsonLd":{"@context":"https://schema.org","@type":"Organization","url":"https://docs.worldpay.com/access","name":"Worldpay"},"meta":[{"name":"google-site-verification","content":"zjziIKaP3ImsqsfhYnEBnq1R85UabiSwl7HTXuwtZuo"},{"name":"doc_product","content":"Access"},{"name":"doc_category","content":"Documentation"}],"llmstxt":{"hide":false,"sections":[{"title":"Payments API","description":"Payment orchestration API combining fraud assessment, 3ds authentication, SCA exemptions, Worldpay Token creation and a card or wallet based payment.","includeFiles":["products/payments/@20240601/**/*"],"excludeFiles":[]},{"title":"Payment Queries API","description":"Querying your payments data, based on a variety of parameters.","includeFiles":["products/payment-queries/@v1/**/*"],"excludeFiles":[]},{"title":"Card BIN Data API","description":"Provides detailed information about a card.","includeFiles":["products/card-bin/@v1/**/*"],"excludeFiles":[]},{"title":"3DS Authentication API","description":"Request 3DS authentication to protect against fraud, be SCA compliant and to shift liability using this standalone API.","includeFiles":["products/3ds/@v3/**/*"],"excludeFiles":[]},{"title":"FraudSight API","description":"Request a risk assessment and receive a response with an outcome (e.g. lowRisk) using this standalone API.","includeFiles":["products/fraudsight/@v1/**/*"],"excludeFiles":[]},{"title":"Checkout SDK","description":"Integrate using our clientside SDKs for both web and native devices. Benefit from SAQ-A/PCI-SSF compliance.","includeFiles":["products/checkout/web/@v2/**/*","products/checkout/ios/@v4/**/*","products/checkout/android/@v4/**/*","products/checkout/react-native/@v3/**/*","products/checkout/flutter/@v1/**/*"],"excludeFiles":[]},{"title":"Tokens API","description":"Minimizes the exposure of sensitive card details and increases the security of your customer's card details.","includeFiles":["products/tokens/@v3/**/*"],"excludeFiles":[]},{"title":"Card Payments API","description":"Request a card payment using this standalone API, requires separate requests for 3DS, Fraud assessment etc.","includeFiles":["products/card-payments/@v7/**/*"],"excludeFiles":[]},{"title":"Card Verifications API","description":"Verify your customer's card to maximize your authentication rates.","includeFiles":["products/card-verifications/@v6/**/*"],"excludeFiles":[]},{"title":"Account Payouts API","description":"Send funds to your customer's bank accounts and search for payouts using parameters.","includeFiles":["products/account-payouts/@20250101/**/*"],"excludeFiles":[]},{"title":"APMs","description":"Pay using eWallets, bank transfers, direct debits, local card schemes, Postpay and eInvoice/ Buy Now Pay Later.","includeFiles":["products/apms/@20240701/**/*"],"excludeFiles":[]},{"title":"Balance API","description":"Request your account details for a single account or all accounts under an entity.","includeFiles":["products/balance/@20250101/**/*"],"excludeFiles":[]},{"title":"Card Payouts API","description":"Send funds to your customer's cards.","includeFiles":["products/card-payouts/@v4/**/*"],"excludeFiles":[]},{"title":"Events (Webhooks)","description":"Receive status updates from Access Worldpay by setting up a webhook.","includeFiles":["products/events/@v1/**/*"],"excludeFiles":[]},{"title":"FX API","description":"Manage Foreign Exchange (FX) on your payments.","includeFiles":["products/fx/@v1/**/*"],"excludeFiles":[]},{"title":"Hosted Payment Pages (HPP) API","description":"Our low-code option to take payments securely at the lowest PCI compliance level - SAQ A.","includeFiles":["products/hosted-payment-pages/@v1/**/*"],"excludeFiles":[]},{"title":"Money Transfers API","description":"Money Transfer OCTs (Original Credit Transaction) allow funds to be pushed to an eligible card in 30 minutes or less.","includeFiles":["products/money-transfers/@v1/**/*"],"excludeFiles":[]},{"title":"Parties API","description":"Create parties, manage your payout instruments and beneficial owners and carry out identity verification checks.","includeFiles":["products/parties/@20250101/**/*"],"excludeFiles":[]},{"title":"SCA Exemptions API","description":"Maximize a frictionless checkout experience by using issuer data insights to apply exemptions.","includeFiles":["products/sca-exemptions/@v1/**/*"],"excludeFiles":[]},{"title":"Split Payments API","description":"Divide funds from a single payment amongst yourself and your parties/sellers.","includeFiles":["products/split-payments/@20250625/**/*"],"excludeFiles":[]},{"title":"Statements API","description":"Retrieve your account statement and see individual entries for all credits and debits.","includeFiles":["products/statements/@20250101/**/*"],"excludeFiles":[]},{"title":"Transfers API","description":"Transfer funds from source account to target account.","includeFiles":["products/transfers/@20250101/**/*"],"excludeFiles":[]},{"title":"Verified Tokens API","description":"Verified Tokens ensures that your customer's payment details are valid and CIT compliant when creating a token.","includeFiles":["products/verified-tokens/@v3/**/*"],"excludeFiles":[]}],"excludeFiles":[]}},"dynamicMarkdocComponents":[],"compilationErrors":[],"ast":{"$$mdtype":"Tag","name":"article","attributes":{},"children":[{"$$mdtype":"Tag","name":"Heading","attributes":{"level":1,"id":"versioning-and-change-log","__idx":0},"children":["Versioning and change log"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["This log details any breaking and non-breaking API changes we have released for our Verifications service."]},{"$$mdtype":"Tag","name":"Admonition","attributes":{"type":"info","name":"Prerequisite"},"children":[{"$$mdtype":"Tag","name":"p","attributes":{},"children":["Make yourself familiar with our ",{"$$mdtype":"Tag","name":"MarkdownLink","attributes":{"href":"/products/reference/api-principles"},"children":["API principles"]}," to ensure a resilient integration."]}]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":2,"id":"versioning-log","__idx":1},"children":["Versioning log"]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":4,"id":"version-6-27-june-2024","__idx":2},"children":["Version 6 (27 June 2024)"]},{"$$mdtype":"Tag","name":"details","attributes":{},"children":[{"$$mdtype":"Tag","name":"summary","attributes":{},"children":["Restructure of resources"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["The new ",{"$$mdtype":"Tag","name":"MarkdownLink","attributes":{"href":"/products/card-verifications"},"children":["Card Verifications"]}," API introduces a new single endpoints and consistent JSON structure to simplify your integration."]},{"$$mdtype":"Tag","name":"ul","attributes":{},"children":[{"$$mdtype":"Tag","name":"li","attributes":{},"children":["removal of separate endpoints for intelligent and dynamic verifications"]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":["field value based routing for one time vs card on file"]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":["request and response field name changes to align with industry standard"]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":["added support for network payment tokens"]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":["added support for AFT related optional fields"]}]}]},{"$$mdtype":"Tag","name":"hr","attributes":{},"children":[]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":4,"id":"version-5-18-june-2020","__idx":3},"children":["Version 5 (18 June 2020)"]},{"$$mdtype":"Tag","name":"details","attributes":{},"children":[{"$$mdtype":"Tag","name":"summary","attributes":{},"children":["Dynamic statement narrative"]},{"$$mdtype":"Tag","name":"ul","attributes":{},"children":[{"$$mdtype":"Tag","name":"li","attributes":{},"children":["you must now submit ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["narrative"]}," in your ",{"$$mdtype":"Tag","name":"MarkdownLink","attributes":{"href":"/products/card-verifications/v5/verifications#intelligent-verification"},"children":["intelligent"]}," and ",{"$$mdtype":"Tag","name":"MarkdownLink","attributes":{"href":"/products/card-verifications/v5/verifications#dynamic-verification"},"children":["dynamic"]}," verification request"]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":["this is no longer a breaking change. ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["narrative"]}," is now an optional field as of 02/15/2021"]}]}]},{"$$mdtype":"Tag","name":"hr","attributes":{},"children":[]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":4,"id":"version-4-25-september-2019","__idx":4},"children":["Version 4 (25 September 2019)"]},{"$$mdtype":"Tag","name":"details","attributes":{},"children":[{"$$mdtype":"Tag","name":"summary","attributes":{},"children":["Strict parsing"]},{"$$mdtype":"Tag","name":"ul","attributes":{},"children":[{"$$mdtype":"Tag","name":"li","attributes":{},"children":["header change to \"Content-Type: application/vnd.worldpay.verifications.accounts-v4+json\""]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":["sending any fields not recorded in our documentation returns an ",{"$$mdtype":"Tag","name":"MarkdownLink","attributes":{"href":"/products/reference/worldpay-error-responses"},"children":["error"]}]}]}]},{"$$mdtype":"Tag","name":"hr","attributes":{},"children":[]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":4,"id":"version-3-16-july-2019","__idx":5},"children":["Version 3 (16 July 2019)"]},{"$$mdtype":"Tag","name":"details","attributes":{},"children":[{"$$mdtype":"Tag","name":"summary","attributes":{},"children":["New mandatory field"]},{"$$mdtype":"Tag","name":"ul","attributes":{},"children":[{"$$mdtype":"Tag","name":"li","attributes":{},"children":["header change to \"Content-Type: application/vnd.worldpay.verifications.accounts-v3+json\""]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":["new mandatory ",{"$$mdtype":"Tag","name":"MarkdownLink","attributes":{"href":"/products/reference/formatting#transaction-reference-format"},"children":[{"$$mdtype":"Tag","name":"code","attributes":{},"children":["transactionReference"]}]}," field"]}]}]},{"$$mdtype":"Tag","name":"hr","attributes":{},"children":[]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":4,"id":"version-2-07-june-2019","__idx":6},"children":["Version 2 (07 June 2019)"]},{"$$mdtype":"Tag","name":"details","attributes":{},"children":[{"$$mdtype":"Tag","name":"summary","attributes":{},"children":["Field rename and endpoint removal"]},{"$$mdtype":"Tag","name":"ul","attributes":{},"children":[{"$$mdtype":"Tag","name":"li","attributes":{},"children":["header change to \"Content-Type: application/vnd.worldpay.verifications.accounts-v2+json\""]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"code","attributes":{},"children":["verifications:recurring"]}," action link and ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["https://try.access.worldpay.com/verifications/accounts/intelligent/recurring"]}," resource link removed"]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"code","attributes":{},"children":["cardOnFile"]}," endpoint now returns ",{"$$mdtype":"Tag","name":"MarkdownLink","attributes":{"href":"/products/card-payments/v6/authorise-a-cardonfile-payment"},"children":[{"$$mdtype":"Tag","name":"code","attributes":{},"children":["cardOnFileAuthorize"]}]}," and ",{"$$mdtype":"Tag","name":"MarkdownLink","attributes":{"href":"/products/card-payments/v6/authorise-a-recurring-payment"},"children":[{"$$mdtype":"Tag","name":"code","attributes":{},"children":["recurringAuthorize"]}]}," action links in the response"]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"code","attributes":{},"children":["merchant.reference"]}," renamed to ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["merchant.entity"]}]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"code","attributes":{},"children":["billingAddress"]}," renamed to ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["verificationAddress"]}]}]}]},{"$$mdtype":"Tag","name":"hr","attributes":{},"children":[]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":2,"id":"change-log-non-breaking-changes","__idx":7},"children":["Change log (non-breaking changes)"]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":4,"id":"google-pay-and-samsung-pay-decrypted-payment-instrument-types-added-to-version-6-11-march-2026","__idx":8},"children":["Google Pay and Samsung Pay decrypted payment instrument types added to version 6 (11 March 2026)"]},{"$$mdtype":"Tag","name":"details","attributes":{},"children":[{"$$mdtype":"Tag","name":"summary","attributes":{},"children":["More details"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["You can now use Google Pay and Samsung Pay decrypted payment instrument types while sending a ",{"$$mdtype":"Tag","name":"MarkdownLink","attributes":{"href":"/products/card-verifications/openapi/other/cardverify#other/cardverify/request/body"},"children":["card verification request"]},"."]}]},{"$$mdtype":"Tag","name":"hr","attributes":{},"children":[]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":4,"id":"payfac-url-support-in-request-all-versions-11-september-2025","__idx":9},"children":["Payfac URL support in request (all versions) (11 September 2025)"]},{"$$mdtype":"Tag","name":"details","attributes":{},"children":[{"$$mdtype":"Tag","name":"summary","attributes":{},"children":["More details"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["If you are a PayFac merchant, you can now optionally optional a ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["submerchant.url"]}," in the ",{"$$mdtype":"Tag","name":"MarkdownLink","attributes":{"href":"/products/card-verifications/openapi/other/cardverify#other/cardverify/request/body"},"children":["card verification request"]},". This allows you to be compliant with scheme requirements."]}]},{"$$mdtype":"Tag","name":"hr","attributes":{},"children":[]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":4,"id":"scheme-reference-in-every-response-12-may-2025","__idx":10},"children":["Scheme reference in every response (12 May 2025)"]},{"$$mdtype":"Tag","name":"details","attributes":{},"children":[{"$$mdtype":"Tag","name":"summary","attributes":{},"children":["More details"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["You now receive a scheme reference in your ",{"$$mdtype":"Tag","name":"MarkdownLink","attributes":{"href":"/products/card-verifications/openapi/other/cardverify#other/cardverify/response&c=201/body"},"children":["card verification response"]}," irrespective of the outcome. We previously only returned this in ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["verified"]}," responses. This advises you that a card was tokenized even though the card verification itself failed."]}]},{"$$mdtype":"Tag","name":"hr","attributes":{},"children":[]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":4,"id":"additional-funds-transfer-types-13-march-2025","__idx":11},"children":["Additional funds transfer types (13 March 2025)"]},{"$$mdtype":"Tag","name":"details","attributes":{},"children":[{"$$mdtype":"Tag","name":"summary","attributes":{},"children":["More details"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["You can now send additional fund transfer ",{"$$mdtype":"Tag","name":"MarkdownLink","attributes":{"href":"/products/card-verifications/openapi/other/cardverify#other/cardverify/t=request&path=&oneof=0/instruction/fundstransfer/type"},"children":[{"$$mdtype":"Tag","name":"code","attributes":{},"children":["type"]}," and ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["purpose"]}," values"]}," in the ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["fundsTransfer"]}," object in your ",{"$$mdtype":"Tag","name":"MarkdownLink","attributes":{"href":"/products/card-verifications/verifications#example-request"},"children":["verification request"]},". This allow you to be compliant with card scheme requirements for fund transfers."]}]},{"$$mdtype":"Tag","name":"hr","attributes":{},"children":[]},{"$$mdtype":"Tag","name":"details","attributes":{},"children":[{"$$mdtype":"Tag","name":"summary","attributes":{},"children":["2024"]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":4,"id":"optional-billing-address-21-november-2024","__idx":12},"children":["Optional billing address (21 November 2024)"]},{"$$mdtype":"Tag","name":"details","attributes":{},"children":[{"$$mdtype":"Tag","name":"summary","attributes":{},"children":["More details"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["You can now send an optional ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["billingAddress"]}," object in your ",{"$$mdtype":"Tag","name":"MarkdownLink","attributes":{"href":"/products/card-verifications/verifications#example-request"},"children":["verification request"]}," for ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["card/token"]},", ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["card/networkToken"]}," and ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["card/networkToken+ApplePay"]}," payment instrument types."]}]},{"$$mdtype":"Tag","name":"hr","attributes":{},"children":[]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":4,"id":"cardholder-name-inquiries-25-july-2024","__idx":13},"children":["Cardholder name inquiries (25 July 2024)"]},{"$$mdtype":"Tag","name":"details","attributes":{},"children":[{"$$mdtype":"Tag","name":"summary","attributes":{},"children":["More details"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["You can now make a ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["nameInquiry"]}," for Visa cards with our ",{"$$mdtype":"Tag","name":"MarkdownLink","attributes":{"href":"/products/card-verifications/verifications"},"children":["Card Verifications API"]},". This allows you to check the validity of the cardholder name provided."]}]},{"$$mdtype":"Tag","name":"hr","attributes":{},"children":[]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":4,"id":"new-optional-channel-field-in-request-v5-25-march-2024","__idx":14},"children":["New optional channel field in request (v5) (25 March 2024)"]},{"$$mdtype":"Tag","name":"details","attributes":{},"children":[{"$$mdtype":"Tag","name":"summary","attributes":{},"children":["More details"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["You can now send a ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["channel"]}," field within ",{"$$mdtype":"Tag","name":"MarkdownLink","attributes":{"href":"/products/card-verifications/v5/verifications"},"children":["your request"]},"."]}]},{"$$mdtype":"Tag","name":"hr","attributes":{},"children":[]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":4,"id":"new-optional-consumerbillpayment-field-in-instruction-object-v5-25-march-2024","__idx":15},"children":["New optional consumerBillPayment field in instruction object (v5) (25 March 2024)"]},{"$$mdtype":"Tag","name":"details","attributes":{},"children":[{"$$mdtype":"Tag","name":"summary","attributes":{},"children":["More details"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["You can now send a ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["consumerBillPayment"]}," flag within the instruction object in ",{"$$mdtype":"Tag","name":"MarkdownLink","attributes":{"href":"/products/card-verifications/v5/verifications"},"children":["your request"]},". You must set this to ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["true"]}," for any verifications made for the purpose of paying consumer bills in the future."]}]},{"$$mdtype":"Tag","name":"hr","attributes":{},"children":[]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":4,"id":"new-optional-recipient-object-in-request-all-versions-18-january-2024","__idx":16},"children":["New optional recipient object in request (all versions) (18 January 2024)"]},{"$$mdtype":"Tag","name":"details","attributes":{},"children":[{"$$mdtype":"Tag","name":"summary","attributes":{},"children":["More details"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["You now have the option to send a ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["recipient"]}," object within your ",{"$$mdtype":"Tag","name":"MarkdownLink","attributes":{"href":"/products/card-verifications/v5/verifications"},"children":["Verification request"]},". You should send this if your MCC is 6012 or 6051 to remain PSD2 compliant and avoid acquirers refusing your payment."]}]}]},{"$$mdtype":"Tag","name":"hr","attributes":{},"children":[]},{"$$mdtype":"Tag","name":"details","attributes":{},"children":[{"$$mdtype":"Tag","name":"summary","attributes":{},"children":["2023"]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":4,"id":"new-optional-email-and-telephone-fields-in-payment-facilitator-merchant-block-24-august-2023","__idx":17},"children":["New optional email and telephone fields in payment facilitator merchant block (24 August 2023)"]},{"$$mdtype":"Tag","name":"details","attributes":{},"children":[{"$$mdtype":"Tag","name":"summary","attributes":{},"children":["More details"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["You now have the option to send an ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["email"]}," and ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["telephone"]}," field within your payment facilitator merchant object."]}]},{"$$mdtype":"Tag","name":"hr","attributes":{},"children":[]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":4,"id":"payment-facilitator-sub-merchant-id-max-length-increased-to-15-16-august-2023","__idx":18},"children":["Payment facilitator sub-merchant ID max length increased to 15 (16 August 2023)"]},{"$$mdtype":"Tag","name":"details","attributes":{},"children":[{"$$mdtype":"Tag","name":"summary","attributes":{},"children":["More details"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["The paymentFacilitator ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["merchantId"]}," now has a maximum digit length of 15. The previous limit was 7."]}]},{"$$mdtype":"Tag","name":"hr","attributes":{},"children":[]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":4,"id":"new-optional-refusaladvice-field-in-verification-refusal-response-20-april-2023","__idx":19},"children":["New optional refusalAdvice field in verification refusal response (20 April 2023)"]},{"$$mdtype":"Tag","name":"details","attributes":{},"children":[{"$$mdtype":"Tag","name":"summary","attributes":{},"children":["More details"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["You will now receive a Merchant Advice Code (MAC) as ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["overrideName"]}," in the ",{"$$mdtype":"Tag","name":"MarkdownLink","attributes":{"href":"/products/card-verifications/v5/verifications#verifications-response"},"children":["not verified response"]},", if you have requested to receive this."]}]},{"$$mdtype":"Tag","name":"hr","attributes":{},"children":[]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":4,"id":"additional-fundingtype-values-in-response-v4--v5-01-march-2023","__idx":20},"children":["Additional fundingType values in response (v4 + v5) (01 March 2023)"]},{"$$mdtype":"Tag","name":"details","attributes":{},"children":[{"$$mdtype":"Tag","name":"summary","attributes":{},"children":["More details"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["The field ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["fundingType"]}," in the ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["paymentInstrument"]}," object of your ",{"$$mdtype":"Tag","name":"MarkdownLink","attributes":{"href":"/products/card-verifications/v5/verifications#verifications-response"},"children":["response"]}," can now have the following additional values:"]},{"$$mdtype":"Tag","name":"ul","attributes":{},"children":[{"$$mdtype":"Tag","name":"li","attributes":{},"children":["`chargeCard`"]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":["`prepaid`"]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":["`deferreddebit`"]}]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["We have added these to the already existing values of ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["debit"]}," and ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["credit"]},"."]}]},{"$$mdtype":"Tag","name":"hr","attributes":{},"children":[]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":4,"id":"new-optional-category-field-in-response-v4--v5-01-march-2023","__idx":21},"children":["New optional category field in response (v4 + v5) (01 March 2023)"]},{"$$mdtype":"Tag","name":"details","attributes":{},"children":[{"$$mdtype":"Tag","name":"summary","attributes":{},"children":["More details"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["You now have an additional field of ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["category"]}," in the card section of your ",{"$$mdtype":"Tag","name":"MarkdownLink","attributes":{"href":"/products/card-verifications/v5/verifications#verifications-response"},"children":["oneTime response"]}," if you have opted in to receive it. This field populates data from the cardbin:productType field value."]}]}]},{"$$mdtype":"Tag","name":"hr","attributes":{},"children":[]},{"$$mdtype":"Tag","name":"details","attributes":{},"children":[{"$$mdtype":"Tag","name":"summary","attributes":{},"children":["2022"]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":4,"id":"ach-verification-v5-07-november-2022","__idx":22},"children":["ACH verification (v5) (07 November 2022)"]},{"$$mdtype":"Tag","name":"details","attributes":{},"children":[{"$$mdtype":"Tag","name":"summary","attributes":{},"children":["More details"]},{"$$mdtype":"Tag","name":"ul","attributes":{},"children":[{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"p","attributes":{},"children":["You can now send ",{"$$mdtype":"Tag","name":"MarkdownLink","attributes":{"href":"/products/card-verifications/v5/verifications#ach-verification"},"children":["verification requests"]}," against US bank accounts to ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["ACH"]}," endpoint:"]},{"$$mdtype":"Tag","name":"ul","attributes":{},"children":[{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"code","attributes":{},"children":["https://try.access.worldpay.com/verifications/accounts/ach"]}]}]}]}]}]},{"$$mdtype":"Tag","name":"hr","attributes":{},"children":[]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":4,"id":"optional-cvc-field-in-the-verification-request-v5-11-october-2022","__idx":23},"children":["Optional CVC field in the verification request (v5) (11 October 2022)"]},{"$$mdtype":"Tag","name":"details","attributes":{},"children":[{"$$mdtype":"Tag","name":"summary","attributes":{},"children":["More details"]},{"$$mdtype":"Tag","name":"ul","attributes":{},"children":[{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"p","attributes":{},"children":["You can now submit the CVC as an optional field in the ",{"$$mdtype":"Tag","name":"MarkdownLink","attributes":{"href":"/products/card-verifications/v5/verifications"},"children":["verification request with token"]}," for both ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["oneTime"]}," and ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["cardOnFile"]}," endpoints."]},{"$$mdtype":"Tag","name":"ul","attributes":{},"children":[{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"code","attributes":{},"children":["https://try.access.worldpay.com/verifications/accounts/intelligent/oneTime"]}]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"code","attributes":{},"children":["https://try.access.worldpay.com/verifications/accounts/intelligent/cardOnFile"]}]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"code","attributes":{},"children":["https://try.access.worldpay.com/verifications/accounts/dynamic/oneTime"]}]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"code","attributes":{},"children":["https://try.access.worldpay.com/verifications/accounts/dynamic/cardOnFile"]}]}]}]}]}]},{"$$mdtype":"Tag","name":"hr","attributes":{},"children":[]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":4,"id":"merchant-initiated-transaction-reason-support-on-cardonfile-endpoint-v5-20-june-2022","__idx":24},"children":["Merchant initiated transaction reason support on CardOnFile Endpoint (v5) (20 June 2022)"]},{"$$mdtype":"Tag","name":"details","attributes":{},"children":[{"$$mdtype":"Tag","name":"summary","attributes":{},"children":["More details"]},{"$$mdtype":"Tag","name":"ul","attributes":{},"children":[{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"p","attributes":{},"children":["You can now supply ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["storedCredentials.reason"]}," as an optional field for both ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["cardOnFile"]}," endpoints:"]},{"$$mdtype":"Tag","name":"ul","attributes":{},"children":[{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"code","attributes":{},"children":["https://try.access.worldpay.com/verifications/accounts/intelligent/cardOnFile"]}]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"code","attributes":{},"children":["https://try.access.worldpay.com/verifications/accounts/dynamic/cardOnFile"]}]}]}]}]}]}]},{"$$mdtype":"Tag","name":"hr","attributes":{},"children":[]},{"$$mdtype":"Tag","name":"details","attributes":{},"children":[{"$$mdtype":"Tag","name":"summary","attributes":{},"children":["2021"]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":4,"id":"cardholder-name-now-an-optional-field-v5-11-march-2021","__idx":25},"children":["Cardholder name now an optional field (v5) (11 March 2021)"]},{"$$mdtype":"Tag","name":"details","attributes":{},"children":[{"$$mdtype":"Tag","name":"summary","attributes":{},"children":["More details"]},{"$$mdtype":"Tag","name":"ul","attributes":{},"children":[{"$$mdtype":"Tag","name":"li","attributes":{},"children":["The ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["paymentInstrument.cardHolderName"]}," field is no longer mandatory in v5 requests."]}]}]},{"$$mdtype":"Tag","name":"hr","attributes":{},"children":[]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":4,"id":"updates-to-statement-narrative-in-requests-v5-15-february-2021","__idx":26},"children":["Updates to statement narrative in requests (v5) (15 February 2021)"]},{"$$mdtype":"Tag","name":"details","attributes":{},"children":[{"$$mdtype":"Tag","name":"summary","attributes":{},"children":["More details"]},{"$$mdtype":"Tag","name":"ul","attributes":{},"children":[{"$$mdtype":"Tag","name":"li","attributes":{},"children":["The ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["narrative"]}," block is no longer a mandatory field in v5 requests to cater for upstream services"]}]}]}]},{"$$mdtype":"Tag","name":"hr","attributes":{},"children":[]},{"$$mdtype":"Tag","name":"details","attributes":{},"children":[{"$$mdtype":"Tag","name":"summary","attributes":{},"children":["2020"]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":4,"id":"apple-pay-decrypted-verification-v4--v5-23-november-2020","__idx":27},"children":["Apple Pay decrypted verification (v4 + v5) (23 November 2020)"]},{"$$mdtype":"Tag","name":"details","attributes":{},"children":[{"$$mdtype":"Tag","name":"summary","attributes":{},"children":["More details"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["You can now submit your v4 and v5 ",{"$$mdtype":"Tag","name":"MarkdownLink","attributes":{"href":"/products/card-verifications/v5/verifications#intelligent-verification"},"children":["intelligent"]}," and ",{"$$mdtype":"Tag","name":"MarkdownLink","attributes":{"href":"/products/card-verifications/v5/verifications#dynamic-verification"},"children":["dynamic"]}," verification with a decrypted Apple Pay ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["paymentInstrument"]},". This only applies to the ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["cardOnFile"]}," endpoints:"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":[{"$$mdtype":"Tag","name":"code","attributes":{},"children":["https://try.access.worldpay.com/verifications/accounts/intelligent/cardOnFile"]},{"$$mdtype":"Tag","name":"br","attributes":{},"children":[]}]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":[{"$$mdtype":"Tag","name":"code","attributes":{},"children":["https://try.access.worldpay.com/verifications/accounts/dynamic/cardOnFile"]}]}]},{"$$mdtype":"Tag","name":"hr","attributes":{},"children":[]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":4,"id":"additional-card-metadata-fields-in-response-v4-01-may-2020","__idx":28},"children":["Additional card metadata fields in response (v4) (01 May 2020)"]},{"$$mdtype":"Tag","name":"details","attributes":{},"children":[{"$$mdtype":"Tag","name":"summary","attributes":{},"children":["More details"]},{"$$mdtype":"Tag","name":"ul","attributes":{},"children":[{"$$mdtype":"Tag","name":"li","attributes":{},"children":["we are returning ",{"$$mdtype":"Tag","name":"MarkdownLink","attributes":{"href":"/products/card-verifications/v4/verifications#payment-instrument"},"children":[{"$$mdtype":"Tag","name":"code","attributes":{},"children":["paymentInstrument"]}]}," in ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["verified"]}," and ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["notVerified"]}," responses for enabled merchants"]}]}]},{"$$mdtype":"Tag","name":"hr","attributes":{},"children":[]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":4,"id":"version-support-for-3ds-v4-07-february-2020","__idx":29},"children":["Version support for 3DS (v4) (07 February 2020)"]},{"$$mdtype":"Tag","name":"details","attributes":{},"children":[{"$$mdtype":"Tag","name":"summary","attributes":{},"children":["More details"]},{"$$mdtype":"Tag","name":"ul","attributes":{},"children":[{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"p","attributes":{},"children":["you can now submit the following values for ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["authentication.version"]}," in your ",{"$$mdtype":"Tag","name":"MarkdownLink","attributes":{"href":"/products/card-verifications/v4/verifications#3ds"},"children":["3DS"]}," request:"]},{"$$mdtype":"Tag","name":"ul","attributes":{},"children":[{"$$mdtype":"Tag","name":"li","attributes":{},"children":["for 3DS1 - ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["1.0.2"]}]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":["for 3DS2 - ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["2.1.0"]}," or  ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["2.2.0"]}]}]}]}]}]},{"$$mdtype":"Tag","name":"hr","attributes":{},"children":[]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":4,"id":"additional-fields-in-response-v4-27-january-2020","__idx":30},"children":["Additional fields in response (v4) (27 January 2020)"]},{"$$mdtype":"Tag","name":"details","attributes":{},"children":[{"$$mdtype":"Tag","name":"summary","attributes":{},"children":["More details"]},{"$$mdtype":"Tag","name":"ul","attributes":{},"children":[{"$$mdtype":"Tag","name":"li","attributes":{},"children":["we are returning ",{"$$mdtype":"Tag","name":"MarkdownLink","attributes":{"href":"/products/card-verifications/v4/verifications#risk-factors"},"children":[{"$$mdtype":"Tag","name":"code","attributes":{},"children":["riskFactors"]}]}," in ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["verified"]}," and ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["notVerified"]}," responses"]}]}]}]},{"$$mdtype":"Tag","name":"hr","attributes":{},"children":[]},{"$$mdtype":"Tag","name":"details","attributes":{},"children":[{"$$mdtype":"Tag","name":"summary","attributes":{},"children":["2019"]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":4,"id":"cardonfile-verifications-with-tokens-v4-31-december-2019","__idx":31},"children":["cardOnFile verifications with tokens (v4) (31 December 2019)"]},{"$$mdtype":"Tag","name":"details","attributes":{},"children":[{"$$mdtype":"Tag","name":"summary","attributes":{},"children":["More details"]},{"$$mdtype":"Tag","name":"ul","attributes":{},"children":[{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"p","attributes":{},"children":["you can now send ",{"$$mdtype":"Tag","name":"MarkdownLink","attributes":{"href":"/products/card-verifications/v4/verifications"},"children":["verification requests"]}," with a token to both ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["cardOnFile"]}," endpoints:"]},{"$$mdtype":"Tag","name":"ul","attributes":{},"children":[{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"code","attributes":{},"children":["https://try.access.worldpay.com/verifications/accounts/intelligent/cardOnFile"]}]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"code","attributes":{},"children":["https://try.access.worldpay.com/verifications/accounts/dynamic/cardOnFile"]}]}]}]}]}]},{"$$mdtype":"Tag","name":"hr","attributes":{},"children":[]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":4,"id":"onetime-verifications-with-tokens-v4-20-november-2019","__idx":32},"children":["oneTime verifications with tokens (v4) (20 November 2019)"]},{"$$mdtype":"Tag","name":"details","attributes":{},"children":[{"$$mdtype":"Tag","name":"summary","attributes":{},"children":["More details"]},{"$$mdtype":"Tag","name":"ul","attributes":{},"children":[{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"p","attributes":{},"children":["you can now send ",{"$$mdtype":"Tag","name":"MarkdownLink","attributes":{"href":"/products/card-verifications/v4/verifications"},"children":["verification requests"]}," with a token to both ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["oneTime"]}," endpoints:"]},{"$$mdtype":"Tag","name":"ul","attributes":{},"children":[{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"code","attributes":{},"children":["https://try.access.worldpay.com/verifications/accounts/intelligent/oneTime"]}]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"code","attributes":{},"children":["https://try.access.worldpay.com/verifications/accounts/dynamic/oneTime"]}]}]}]}]}]},{"$$mdtype":"Tag","name":"hr","attributes":{},"children":[]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":4,"id":"additional-action-link-v4-20-november-2019","__idx":33},"children":["Additional action link (v4) (20 November 2019)"]},{"$$mdtype":"Tag","name":"details","attributes":{},"children":[{"$$mdtype":"Tag","name":"summary","attributes":{},"children":["More details"]},{"$$mdtype":"Tag","name":"ul","attributes":{},"children":[{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"MarkdownLink","attributes":{"href":"/products/card-payments/v6/take-a-sale"},"children":[{"$$mdtype":"Tag","name":"code","attributes":{},"children":["recurringSale"]}]}," action link is now returned in the ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["cardOnFile"]}," verification responses. This allows for recurring sale transactions."]}]}]}]},{"$$mdtype":"Tag","name":"hr","attributes":{},"children":[]}]},"headings":[{"value":"Versioning and change log","id":"versioning-and-change-log","depth":1},{"value":"Versioning log","id":"versioning-log","depth":2},{"value":"Version 6 (27 June 2024)","id":"version-6-27-june-2024","depth":4},{"value":"Version 5 (18 June 2020)","id":"version-5-18-june-2020","depth":4},{"value":"Version 4 (25 September 2019)","id":"version-4-25-september-2019","depth":4},{"value":"Version 3 (16 July 2019)","id":"version-3-16-july-2019","depth":4},{"value":"Version 2 (07 June 2019)","id":"version-2-07-june-2019","depth":4},{"value":"Change log (non-breaking changes)","id":"change-log-non-breaking-changes","depth":2},{"value":"Google Pay and Samsung Pay decrypted payment instrument types added to version 6 (11 March 2026)","id":"google-pay-and-samsung-pay-decrypted-payment-instrument-types-added-to-version-6-11-march-2026","depth":4},{"value":"Payfac URL support in request (all versions) (11 September 2025)","id":"payfac-url-support-in-request-all-versions-11-september-2025","depth":4},{"value":"Scheme reference in every response (12 May 2025)","id":"scheme-reference-in-every-response-12-may-2025","depth":4},{"value":"Additional funds transfer types (13 March 2025)","id":"additional-funds-transfer-types-13-march-2025","depth":4},{"value":"Optional billing address (21 November 2024)","id":"optional-billing-address-21-november-2024","depth":4},{"value":"Cardholder name inquiries (25 July 2024)","id":"cardholder-name-inquiries-25-july-2024","depth":4},{"value":"New optional channel field in request (v5) (25 March 2024)","id":"new-optional-channel-field-in-request-v5-25-march-2024","depth":4},{"value":"New optional consumerBillPayment field in instruction object (v5) (25 March 2024)","id":"new-optional-consumerbillpayment-field-in-instruction-object-v5-25-march-2024","depth":4},{"value":"New optional recipient object in request (all versions) (18 January 2024)","id":"new-optional-recipient-object-in-request-all-versions-18-january-2024","depth":4},{"value":"New optional email and telephone fields in payment facilitator merchant block (24 August 2023)","id":"new-optional-email-and-telephone-fields-in-payment-facilitator-merchant-block-24-august-2023","depth":4},{"value":"Payment facilitator sub-merchant ID max length increased to 15 (16 August 2023)","id":"payment-facilitator-sub-merchant-id-max-length-increased-to-15-16-august-2023","depth":4},{"value":"New optional refusalAdvice field in verification refusal response (20 April 2023)","id":"new-optional-refusaladvice-field-in-verification-refusal-response-20-april-2023","depth":4},{"value":"Additional fundingType values in response (v4 + v5) (01 March 2023)","id":"additional-fundingtype-values-in-response-v4--v5-01-march-2023","depth":4},{"value":"New optional category field in response (v4 + v5) (01 March 2023)","id":"new-optional-category-field-in-response-v4--v5-01-march-2023","depth":4},{"value":"ACH verification (v5) (07 November 2022)","id":"ach-verification-v5-07-november-2022","depth":4},{"value":"Optional CVC field in the verification request (v5) (11 October 2022)","id":"optional-cvc-field-in-the-verification-request-v5-11-october-2022","depth":4},{"value":"Merchant initiated transaction reason support on CardOnFile Endpoint (v5) (20 June 2022)","id":"merchant-initiated-transaction-reason-support-on-cardonfile-endpoint-v5-20-june-2022","depth":4},{"value":"Cardholder name now an optional field (v5) (11 March 2021)","id":"cardholder-name-now-an-optional-field-v5-11-march-2021","depth":4},{"value":"Updates to statement narrative in requests (v5) (15 February 2021)","id":"updates-to-statement-narrative-in-requests-v5-15-february-2021","depth":4},{"value":"Apple Pay decrypted verification (v4 + v5) (23 November 2020)","id":"apple-pay-decrypted-verification-v4--v5-23-november-2020","depth":4},{"value":"Additional card metadata fields in response (v4) (01 May 2020)","id":"additional-card-metadata-fields-in-response-v4-01-may-2020","depth":4},{"value":"Version support for 3DS (v4) (07 February 2020)","id":"version-support-for-3ds-v4-07-february-2020","depth":4},{"value":"Additional fields in response (v4) (27 January 2020)","id":"additional-fields-in-response-v4-27-january-2020","depth":4},{"value":"cardOnFile verifications with tokens (v4) (31 December 2019)","id":"cardonfile-verifications-with-tokens-v4-31-december-2019","depth":4},{"value":"oneTime verifications with tokens (v4) (20 November 2019)","id":"onetime-verifications-with-tokens-v4-20-november-2019","depth":4},{"value":"Additional action link (v4) (20 November 2019)","id":"additional-action-link-v4-20-november-2019","depth":4}],"frontmatter":{"seo":{"title":"Versioning and change log"}},"lastModified":"2026-03-11T11:35:38.000Z","pagePropGetterError":{"message":"","name":""}},"slug":"/products/card-verifications/changelog","userData":{"isAuthenticated":false,"teams":["anonymous"]},"isPublic":true}