PaymentVision 5.2.5.96 is now available in production. The purpose of this release is to add two new features Routing Number Verification Safety Net and Card Filtering Safety Net.
Routing Number Verification Safety Net
Routing Number Verification Safety Net is a new feature of PayAPI that enables routing numbers to be verified as part of a bank account tokenization and/or ACH payment request.
What’s new?
PaymentVision previously offered routing number verification via a separate request method. It can now be “chained” to other request methods, as part of this release.
What request methods can use it?
Routing Number Verification Safety Net can be added to the following PayAPI request methods:
- AddBankAccount
- MakeACHPayment
- MakeIdBasedACHPayment
- MakeIdBasedTransactionSeries
What are the use cases?
Routing Number Verification Safety Net has the following use cases:
- NACHA Telephone-initiated (TEL) Entry rules compliance
- NACHA Internet-initiated (WEB) Entry rules compliance
How does it work?
- PayAPI receives a valid AddBankAccount, MakeACHPayment, MakeIdBasedACHPayment or MakeIdBasedTransactionSeries request
- If routing number verification is enabled for the primary merchant and the run mode is set to real time, then PayAPI verifies the routing number using the Lyons Commercial Data iBankRegistry web service
- If the routing number is invalid, then PayAPI returns an error response
- If the routing number is valid, then PayAPI continues processing the request as normal
Are there any integration requirements?
So long as one of the above request methods is already integrated into your software and it is able to dynamically handle new response codes, Routing Number Verification Safety Net can be enabled without any additional software integration requirements.
Error Responses
| Code | Name | Description |
| 2026 | ABANumberInvalid | The ABA number is invalid: {errorMessage} |
Card Filtering Safety Net
Card Filtering Safety Net is a new feature of PayAPI that enables payment card acceptance rules to be enforced as part of a card tokenization and/or card payment request.
What’s new?
PaymentVision previously offered card filtering via separate request method. It can now be “chained” to other request methods, as part of this release.
What request methods can use it?
Card Filtering Safety Net can be added to the following PayAPI request methods:
- AddCreditCardAccount
- MakeCreditCardPayment
- MakeIdBasedCreditCardPayment
- MakeIdBasedTransactionSeries
What are the use cases?
Card Filtering Safety Net has the following use cases:
- Visa Repayment of Debt rule compliance
- Visa Debt Repayment Program compliance
- MasterCard Consumer Loans Program compliance
How does it work?
- PayAPI receives a valid AddCreditCardAccount, MakeCreditCardPayment, MakeIdBasedCreditCardPayment or MakeIdBasedTransactionSeries request
- If card filtering is enabled for the primary merchant, then PayAPI validates the Bank Identification Number (BIN) against the payee’s card filtering rules
- If the BIN is invalid, then PayAPI returns an error response
- If the BIN is valid, then PayAPI continues processing the request as normal
Are there any integration requirements?
So long as one of the above methods is already integrated into your software and it is able to dynamically handle new response codes, Card Filtering Safety Net can be enabled without any additional software integration requirements.
Error Responses
| Code | Name | Description |
| 4033 | CreditCardsDenied | Credit cards are not accepted |
| 4034 | DebitCardsDenied | Debit cards are not accepted |
| 4035 | PrepaidCardsDenied | Prepaid cards are not accepted |
| 4036 | UnknownCardTypeDenied | Unknown cards are not accepted |
| 4037 | CreditCardDeniedForCardIssuer | Credit cards by this issuer are not accepted |
| 4038 | DebitCardDeniedForCardIssuer | Debit cards by this issuer are not accepted |
| 4039 | PrepaidCardsDeniedForCardIssuer | Prepaid cards by this issuer are not accepted |
| 4040 | AllCardTypesDeniedForUnknownCardIssuer | All card types by unknown issuers are not accepted |
| 4041 | AllCardTypesDeniedForCardIssuer | All card types by this issuer are not accepted |
| 4042 | CreditCardsDeniedForCardBrand | Credit cards of this card brand are not accepted |
| 4043 | DebitCardsDeniedForCardBrand | Debit cards of this card brand are not accepted |
| 4044 | PrepaidCardsDeniedForCardBrand | Prepaid cards of this card brand are not accepted |
| 4045 | UnknownCardsDeniedForCardBrand | Unknown cards of this card brand are not accepted |
| 4046 | UnknownCardTypeDeniedForCardIssuer | Unknown cards by this issuer are not accepted |
