Last Updated: 11 September 2025 | Change Log
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)
Setting your headers is an important part of an API request. The headers represent the meta-data associated with your API request.
Authorization: {your_credentials},
Content-Type : application/vnd.worldpay.cardVerifications-v6+json,
Accept : application/vnd.worldpay.cardVerifications-v6+jsonAuthorization: {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.
Replace {your_credentials} with your base64-encoded Basic Auth username and password. To get your Access Worldpay credentials contact your Implementation Manager.
Whitelist the following URLs:
https://try.access.worldpay.com/https://access.worldpay.com/
Please ensure you use DNS whitelisting, not explicit IP whitelisting.
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)