New API Version | Last Updated: 12 May 2025 | Change Log

Card Verifications

Verify your customer's card to maximize your authentication rates.

Our API allows you to:

verify a card
make a cardholder name inquiry
perform an ACH verification against a US bank account
query previous verifications

Supported payment methods: American Express / Carte Bancaires / Discover / Diners / ELO / JCB / Maestro / MasterCard / MasterCard Debit / Visa / Visa Debit / Visa Electron (UK only)

Set your headers

Setting your headers is an important part of an API request. The headers represent the meta-data associated with your API request.

Card Verifications / Name Inquiry

Authorization: {your_credentials},
Content-Type : application/vnd.worldpay.cardVerifications-v6+json,
Accept : application/vnd.worldpay.cardVerifications-v6+json

ACH Verifications (US Bank accounts)

Authorization: {your_credentials},
Content-Type : application/vnd.worldpay.achVerifications-v6+json,
Accept : application/vnd.worldpay.achVerifications-v6+json

Header	Description
`Authorization`	We use the `Authorization` header to identify and authenticate you within Access Worldpay. You must use the `Authorization` header for any request you send to our Card Verifications API, unless you are using client certificate authentication over TLS. If you must use this, read our reference guide on Authenticating with SSL/TLS.
`Content-Type`	We require the `Content-Type` header for all requests sent to our Card Verifications API.
`Accept`	We use the `Accept` header to identify which version of our Card Verifications API you are using. You must use the `Accept` header for any request you send to our Card Verifications API.

The Content-Type and Accept headers, must match.

Note

Replace {your_credentials} with your base64-encoded Basic Auth username and password. To get your Access Worldpay credentials contact your Implementation Manager.

DNS Whitelisting

Whitelist the following URLs:

https://try.access.worldpay.com/
https://access.worldpay.com/

Please ensure you use DNS whitelisting, not explicit IP whitelisting.

Link Caching

Note

When you make a request within Access Worldpay, you should always cache the response returned.

Next steps

Verify your customer's card or make a name inquiry or
Verify against a US bank account (ACH)