Secure payments through Account Verification

Account Verification is an integrated Visa solution that quickly confirms payment accounts are valid and ready to use, whether they are saved on file or enrolled in recurring payments. 

Build trust

Help prevent incorrect or unauthorized use of cardholder information and strengthen fraud protection.

Improve efficiency

Reduce manual review, streamline transaction flows, and lower support costs through automated validation.

Reduce customer friction

Validate credentials without placing holds on customer funds, helping deliver a smoother customer experience.

Pre‑validate credentials

Account Verification helps ensure cardholder accounts are valid and in good standing before they are stored or used for payment. By verifying credentials upfront with a zero‑amount check, businesses can prevent outdated or incorrect account information from entering their payment ecosystem. This helps reduce friction and supports smoother delayed, recurring, or card‑on‑file transactions.

Increase payment success

By validating accounts before a transaction takes place, Account Verification helps reduce declines and improve downstream authorization outcomes. The service supports essential authentication checks that help deter fraud and increase confidence that credentials will perform when it matters most. The result is higher approval rates and more reliable payment experiences.

Upgrade customer experiences with simple integration

Discover how Account Verification reduces payment friction so merchants can increase authorizations and deliver a better customer experience.

How it works

1. Customer initiates verification

When a customer initiates a transaction, the merchant sends a zero-amount account verification on their payment account.

2. Verification request is sent for validation

The verification request quickly passes from the merchant’s bank (the acquirer) to Visa and the customer’s bank (the issuer), who validates it.

3. Respond and store

The issuer response is sent back to the merchant, who can then store the validated credential or customer account for future use.

Let’s talk payments

Reach out to us to learn how Visa Account Verification can make payment experiences more seamless.