Credit Card Check

A simple and effective way to protect against fraud.

We run a zero amount authorization against the Visa, Mastercard and American Express networks to check if the card is valid, stolen or expired. The authorization request does not appear on the customer statement but gives you the ability to test the validity of a stored credit card.


Credit Card Check only works for CHF, EUR and USD.

Before you start

You will need to contact us to get this feature activated on your PCI Proxy account.

Running the credit card check

Using this API with a PCI Proxy token will check for the card number that it would detokenize to.


curl --request POST \
  --url '' \
  --header 'Authorization: Basic {{basicAuth}}' \
  --header 'Content-Type: application/json; charset=UTF-8' \
  --data '{
	"currency": "EUR",
	"refno": "vptJ07xyr",
	"card": {
		"alias": "{{token}}",
		"expiryMonth": "06",
		"expiryYear": "25"
  "transactionId": "{{transactionId}}",
  "acquirerAuthorizationCode": "104224",
  "card": {
    "masked": "424242xxxxxx4242"
  "error": {
    "code": "EXPIRED_CARD",
    "message": "expired card"
  "transactionId": "{{transactionId}}"

The list of possible errors can be found in card network errors.