Is there any benefit to doing zero-dollar auths for Visa/MC in today's environment for CNP ecommerce?
Hi Brian - this is a good question. I'm tagging some of my colleagues who may be able to provide a better answer. As far as I know a $0 auth is essentially an account verification request where you can validate the expiry date / CVV2/CVC2/CID and do AVS verification. I believe these are valid for VISA, MasterCard and Discover. You might use this to validate a card at the point of capture in cases where you are not yet ready to authorize an amount against the card. I'm not sure if your question pertains to a specific Vantiv platform, but our eCommerce platform documentation describes "AVS Only" requests (which are essentially $0 auths) and why you might want to use them.
tboumil or dourada may have more insights. There may be specific rules or considerations for different card brands I'm not aware of.
There is a document that provides information about the advantages/disadvantages of $0 Auths as compared to $1 Auths. It was written a while ago, so I’m not 100% sure some of the fees haven’t changed, but it should still provide good info.
Leader, Technical Publications
vantiv / eCommerce
Does this document still exist? The link is dead.
We don't know what happened, but uploaded the document again. The new location is: Comparison of $0 and $1 Account Verification Transactions
Thanks! I knew I had read it before, but then I couldn't find it again.
In an effort to align requirements globally, effective 14 October 2017, Visa will require that: • When capturing a stored credential for the first time, a merchant or its agent, a PF or SDWO must:
Follow all cardholder disclosure and consent requirements specified in the Visa Rules.
Submit a payment transaction (authorization / full financial) to Visa if an amount is due at the time credentials are stored. If no amount is due at the time credentials are stored, the merchant or its agent, a PF or an SDWO must submit an Account Number Verification authorization.
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