05-03-2010 06:39 PM
What do you mean by validate? Do you mean you want to see if there are funds on the card for the purchase? Do you want to make sure it is a real account only without charging the card? Do you want to verify the card number is not made up?
Either way SIM is not the right way to go about it. You would want to use AIM. Then you can do a pre-authorization on a credit card to see if the funds are available on a credit card by doing an AUTH_ONLY for the amounht to be charged. You then have up to 30 days to capture those funds. You can do an AUTH_ONLY for $0.00 to see if a credit card is legitimate without actually charging the card or holding any of the cardholder's funds in reserve. To see if a fake credit card is being used you can use the Luhn Algorithm. Then if it passes, you can do an AUTH_ONLY for $0.00.
08-30-2010 04:55 AM
Visa requires the amount to be $0.00 but not all processors support this yet. You'll need to contact your merchant account provider to find out if they support it.