Are you wondering how to use the payment authorization API in 2024? If so, here is how to use it.
One of these new payment methods is using a payment authorization API. This is a software program that allows merchants to accept payments from customers without having to store any sensitive data on their own servers. Instead, the customer’s data is sent to a third-party payment processor, then returned to the merchant with a token that can be used to make subsequent API calls.
Benefits Of Using A Payment Authorization API
There are several benefits to using a payment authorization API. First, it simplifies the process of accepting payments online. Since merchants don’t need to worry about storing sensitive customer data or setting up secure payment gateways; they can focus on their business instead of worrying about security.
Second, a payment authorization API can help merchants reach a larger audience by allowing them to accept payments from customers all over the world. Since they don’t need to worry about language or cultural barriers; they can easily accept payments from customers who don’t live in their country or speak their language.
Finally, a payment authorization API can help merchants save time and money by automating some of the payment processing tasks. This can save them time and money that would otherwise be spent on manual processing.
How To Use The Payment Authorization API In 2024
If you want to start using this Payment Authorization API, you should know that there are many APIs available on the Internet; but not all of them work as expected or provide accurate results.
However, we advise you not to worry because we have already tested each of these APIs and found one that works best and provides accurate results: Credit Card Validator- BIN Checker API which is available at Zyla API Hub.
Credit Card Validator- BIN Checker API initially gathers information about the bank that issued the card, allowing you to evaluate whether the cards are from reputable companies. It then retrieves more card details such as the card number, name, and expiration date.
This API also includes a secure token that may be used as a verification code during checkout; this code is transmitted to the client’s mobile phone, allowing secure purchases.
ENDPOINT
- CHECK BY BIN
- For instance, if you use the endpoint with the BIN number “448590,” the API will respond with the following:
{
"success": true,
"code": 200,
"BIN": {
"valid": true,
"number": 448590,
"length": 6,
"scheme": "VISA",
"brand": "VISA",
"type": "CREDIT",
"level": "PURCHASING WITH FLEET",
"currency": "USD",
"issuer": {
"name": "JPMORGAN CHASE BANK, N.A.",
"website": "http://www.jpmorganchase.com",
"phone": "1-212-270-6000"
},
"country": {
"country": "UNITED STATES",
"numeric": "840",
"capital": "Washington, D.C.",
"idd": "1",
"alpha2": "US",
"alpha3": "USA",
"language": "English",
"language_code": "EN",
"latitude": 34.05223,
"longitude": -118.24368
}
}
}Developers can boost transaction acceptance rates by ensuring that the credit card information provided by the consumer is accurate and legitimate by using the Credit Card Validator – BIN Checker API. This can assist to reduce the amount of refused transactions, which can be irritating and expensive for both customers and businesses.