Validate New CIM Payment Profile

Question

I have just begun testing my app in liveMode using the C# CIM SDK.

I was under the impression that adding a new credit card with an incorrect expiration or cvv would throw an error in liveMode because it is invalid.

However I am able to create new credit cards with invalid combinations of card number, expiration, and/or cvv.

I can even successfully create Authorize only transactions. I do not receive an error until I try to create an AuthoirizeAndCapture transaction, because it gets declined.

I don't want to have to create a new payment profile, perform an AuthorizeAndCapture on it, and delete the payment profile if it is declined or void the transaction if it goes through everytime a new payment profile is created.

What am I doing wrong? What is the proper way to validate a new CIM Payment Profile?

Answer 1

liveMode sends a $0.00 (or $0.01 if the processor does not yet support $0.00 transactions) along with the credit card information to the processor who runs it as a normal transaction. What's important to know is that invalid expiration dates or CVV numbers will not necessarily result in a credit card being declined. Some credit card issuers will approve transactions with invalid expiration dates and invalid CVV numbers will not result in a decline either. If it is incorrect you will simply be notified of the result and then you have to decide if you want to accept the transaction or not. I'm not sure if that is possible with CIM so invalid CVV numbers are non-factors here.

If you really want to validate a credit card before creating a CIM profile you can use the AIM API with a $0.00 transaction and then check the CVV result code response.