# Verifications cardOnFile resource

Successful account verification outcome.

Endpoint: POST /verifications/accounts/intelligent/cardOnFile
Version: 5
Security: BasicAuth

## Security:

  - `BasicAuth` (unknown)
    http basic

## Header parameters:

  - `Authorization` (string, required)

  - `Accept` (string, required)

  - `Content-Type` (string, required)

## Request fields (application/vnd.worldpay.verifications.accounts-v5+json):

  - `merchant` (object, required)

  - `merchant.entity` (string, required)

  - `merchant.mcc` (string)

  - `merchant.paymentFacilitator` (object)

  - `merchant.paymentFacilitator.pfId` (string, required)

  - `merchant.paymentFacilitator.isoId` (string)

  - `merchant.paymentFacilitator.subMerchant` (object, required)

  - `merchant.paymentFacilitator.subMerchant.merchantId` (string, required)

  - `merchant.paymentFacilitator.subMerchant.name` (string, required)

  - `merchant.paymentFacilitator.subMerchant.street` (string, required)

  - `merchant.paymentFacilitator.subMerchant.city` (string, required)

  - `merchant.paymentFacilitator.subMerchant.state` (string)

  - `merchant.paymentFacilitator.subMerchant.countryCode` (string, required)

  - `merchant.paymentFacilitator.subMerchant.postalCode` (string, required)

  - `merchant.paymentFacilitator.subMerchant.taxId` (string)

  - `merchant.paymentFacilitator.subMerchant.telephone` (string)

  - `merchant.paymentFacilitator.subMerchant.email` (string)

  - `merchant.paymentFacilitator.subMerchant.url` (string)

  - `channel` (string)
    The payment channel indicates the interaction of the cardholder with the merchant. Supply a value of `moto` to process an authorization as a Mail Order or Telephone Order transaction. If channel is not provided, the authorization will be processed as ecommerce by default.
**NOTE:** 3DS `authentication` data cannot be supplied for MOTO payments.
    Enum: "moto"

  - `consumerBillPayment` (boolean)
    If you are registered with Visa as a Consumer Bill Payment Service (CBPS), you must set this to `true` for any payments associated with the CBPS.

  - `currency` (string, required)

  - `paymentInstrument` (any, required)

  - `paymentInstrument.type` (string, required)
    Enum: "card/plain", "card/tokenized", "card/networkToken+applepay"

  - `paymentInstrument.cardHolderName` (string)

  - `paymentInstrument.cardExpiryDate` (object, required)

  - `paymentInstrument.cardExpiryDate.month` (integer, required)

  - `paymentInstrument.cardExpiryDate.year` (integer, required)

  - `paymentInstrument.cardNumber` (string, required)

  - `paymentInstrument.verificationAddress` (object)

  - `paymentInstrument.verificationAddress.address1` (string)

  - `paymentInstrument.verificationAddress.postalCode` (string, required)

  - `paymentInstrument.verificationAddress.city` (string, required)

  - `paymentInstrument.verificationAddress.countryCode` (string, required)

  - `paymentInstrument.cvc` (string)

  - `paymentInstrument.href` (string, required)

  - `paymentInstrument.dpan` (string, required)

  - `narrative` (object)

  - `narrative.line1` (string, required)

  - `narrative.line2` (string)

  - `transactionReference` (string, required)

  - `customer` (object)

  - `customer.authentication` (any, required)

  - `customer.authentication.version` (string, required)

  - `customer.authentication.type` (string, required)
    Enum: "3DS", "card/networkToken"

  - `customer.authentication.eci` (string, required)

  - `customer.authentication.authenticationValue` (string)

  - `customer.authentication.transactionId` (string)

## Request examples:

  - `Successful account verification outcome.` (unknown)
    Successful account verification outcome.

  - `Refused account verification outcome.` (unknown)
    Refused account verification outcome.

  - `Successful account verification outcome with MOTO channel.` (unknown)
    Successful account verification outcome with MOTO channel.

  - `Successful account verification outcome with CBPS fields.` (unknown)
    Successful account verification outcome with CBPS fields.

  - `Successful Dynamic MCC account verification outcome.` (unknown)
    Successful Dynamic MCC account verification outcome.

  - `Successful account verification outcome without Payments links.` (unknown)
    Successful account verification outcome without Payments links.

  - `Successful payment facilitator account verification outcome.` (unknown)
    Successful payment facilitator account verification outcome.

  - `Successful account verification outcome with 3DS1 values.` (unknown)
    Successful account verification outcome with 3DS1 values.

  - `Successful account verification outcome with 3DS2 values.` (unknown)
    Successful account verification outcome with 3DS2 values.

  - `Successful account verification outcome with 3DS2 (Cartes Bancaires) values` (unknown)
    Successful account verification outcome with 3DS2 (Cartes Bancaires) values.

  - `Successful account verification with a token.` (unknown)
    Successful account verification with a token.

  - `Successful account verification with a decrypted applepay.` (unknown)
    Successful account verification with a decrypted applepay.

## Response 201:

  - `201` (unknown)
    The account verification has been successful.

## Response 201 fields (application/vnd.worldpay.verifications.accounts-v5+json):

  - `outcome` (string, required)

  - `schemeTransactionReference` (string)

  - `schemeSupplementaryReference` (string)
    Preview only. Not yet available in production.
Applies to Mastercard transactions only. A secondary reference used by the card scheme to link merchant initiated transactions (MITs) to the original customer initiated transaction (CIT). Supply the value returned by the card scheme in the original CIT.
Please see our [Mastercard TLID guide](/products/card-payments/features/mastercard-tlid) for more details.

  - `checkedAt` (string, required)

  - `riskFactors` (array)

  - `riskFactors.risk` (string, required)

  - `riskFactors.detail` (string)

  - `riskFactors.type` (string, required)

  - `paymentInstrument` (object)

  - `paymentInstrument.type` (string, required)

  - `paymentInstrument.card` (object)

  - `paymentInstrument.card.number` (object)

  - `paymentInstrument.card.number.bin` (string, required)

  - `paymentInstrument.card.number.last4Digits` (string, required)

  - `paymentInstrument.card.countryCode` (string)

  - `paymentInstrument.card.expiryDate` (object)

  - `paymentInstrument.card.expiryDate.month` (integer, required)

  - `paymentInstrument.card.expiryDate.year` (integer, required)

  - `paymentInstrument.card.brand` (string)

  - `paymentInstrument.card.fundingType` (string)

  - `paymentInstrument.card.issuer` (object)

  - `paymentInstrument.card.issuer.name` (string, required)

  - `paymentInstrument.card.category` (string)

  - `paymentInstrument.card.paymentAccountReference` (string)

## Response 202:

  - `202` (unknown)
    The account verification has been successful.

## Response 202 fields (application/vnd.worldpay.verifications.accounts-v5+json):

  - `outcome` (string, required)

  - `schemeTransactionReference` (string)

  - `schemeSupplementaryReference` (string)
    Preview only. Not yet available in production.
Applies to Mastercard transactions only. A secondary reference used by the card scheme to link merchant initiated transactions (MITs) to the original customer initiated transaction (CIT). Supply the value returned by the card scheme in the original CIT.
Please see our [Mastercard TLID guide](/products/card-payments/features/mastercard-tlid) for more details.

  - `checkedAt` (string, required)

  - `riskFactors` (array)

  - `riskFactors.risk` (string, required)

  - `riskFactors.detail` (string)

  - `riskFactors.type` (string, required)

  - `paymentInstrument` (object)

  - `paymentInstrument.type` (string, required)

  - `paymentInstrument.card` (object)

  - `paymentInstrument.card.number` (object)

  - `paymentInstrument.card.number.bin` (string, required)

  - `paymentInstrument.card.number.last4Digits` (string, required)

  - `paymentInstrument.card.countryCode` (string)

  - `paymentInstrument.card.expiryDate` (object)

  - `paymentInstrument.card.expiryDate.month` (integer, required)

  - `paymentInstrument.card.expiryDate.year` (integer, required)

  - `paymentInstrument.card.brand` (string)

  - `paymentInstrument.card.fundingType` (string)

  - `paymentInstrument.card.issuer` (object)

  - `paymentInstrument.card.issuer.name` (string, required)

  - `paymentInstrument.card.category` (string)

  - `paymentInstrument.card.paymentAccountReference` (string)

## Response 201 examples:

  - `Successful account verification outcome.` (unknown)
    Successful account verification outcome.

  - `Successful account verification outcome for MC including MC TLID.` (unknown)
    Successful account verification outcome.

  - `Refused account verification outcome.` (unknown)
    Refused account verification outcome.

  - `Successful Dynamic MCC account verification outcome.` (unknown)
    Successful Dynamic MCC account verification outcome.

  - `Successful payment facilitator account verification outcome.` (unknown)
    Successful payment facilitator account verification outcome.

  - `Successful account verification outcome with 3DS1 values.` (unknown)
    Successful account verification outcome with 3DS1 values.

  - `Successful account verification outcome with 3DS2 values.` (unknown)
    Successful account verification outcome with 3DS2 values.

  - `Successful account verification outcome with 3DS2 (Cartes Bancaires) values` (unknown)
    Successful account verification outcome with 3DS2 (Cartes Bancaires) values.

  - `Successful account verification with a token.` (unknown)
    Successful account verification with a token.

  - `Successful account verification with a decrypted applepay.` (unknown)
    Successful account verification with a decrypted applepay.

## Response 202 examples:

  - `Successful account verification outcome without Payments links.` (unknown)
    Successful account verification outcome without Payments links.