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Learn how Credit Card Verification can authenticate a consumer reducing fraud losses.

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Credit Card Verification

Verify Credit Card Number and Check Billing Information at the Point of Purchase

Experian's real-time authentication service for merchants is the only industry tool that verifies the full credit card number against a consumer's identity through reported trade line activity.  Authentication at the point of purchase is critical to safeguarding your customer's information and your business creating an environment that reduces fraud and enables business growth.   

  • Automated authentication capabilities easily uncovers fraudulent behavior and creates operational efficiencies.
  • Unique technology verifies full credit card number against a consumer's identity via reported trade line activity.
  • Verifies transactions in seconds rather than minutes.
  • Access to Experian's File OneSM credit database containing information on more than 220 million credit-active consumers.
  • Fraud alerts on closed accounts, lost or stolen credit cards, and victim statements.
  • Multiple access methods include – real-time or batch processing, instant Web-based processing, XML delivery – which allow transparent integration with your internal platforms or consumer-facing Web sites.

Real-time Authentication to Check Credit Card Number & Billing Information - How Does it Work?

Credit Card Verification

Integrated Fraud Alert Data

One of Seven Match Codes are Returned

Output Account Data

Customer Match Data

  • M = Full match
  • P = Partial match
  • C = Match, but account is closed
  • L = Match, but card is lost or stolen
  • E = Invalid card number
  • X = No record or security alert
  • N = No match

 

  • Subscriber name
  • Card open date
  • Credit limit/ Current balance
  • Match level
  • Card status
  • Standardized address
  • Data of birth
  • Social Security number
  • Driver’s license data
  • Full name
  • Phone

Get additional fraud alerts such as recent change of address, high-risk addresses, victim statements and other potential identity theft activity indicators.

Multiple Uses

Criminals are constantly seeking new ways to take advantage of vulnerabilities and fraud is an ever-growing expensive problem affecting all financial institutions and merchants.  Linking a consumer’s name and address to the card they are using significantly helps verify legitimate transactions and reduces fraudulent losses.

Credit Card Verification for Balance Transfers

Credit Card Verification for Merchants

Ensures the account receiving the funds belongs to the person requesting the balance transfer. Ensures that the credit card being used to make a purchase via the internet actually belongs to the person presenting the card.

Credit Card Verification - Request More Information

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Note: This form is for use by businesses only. If you have a question regarding your personal credit report or credit score choose from our contact options for assistance. If you need fraud assistance, visit the fraud center. To dispute your credit report, visit our dispute center.

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