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Index/Topics/Card Verification Methods

Card Verification Methods

Methods for verifying active and authorized cards without committing fraud, including format and BIN validation, CVV and AVS lookups, authorization-only holds, tokenization, and strong customer authentication.

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Jan 28, 2026

How can merchants and payment processors check if a credit card is active without committing fraud?

Merchants and processors can and authorized without committing fraud by combining benign, issuer-approved checks — format and BIN validation, CVV and AVS lookups, authorization-only holds (including ’...