I want to implement the Payment Account Validation API and I read that as input it accepts the Primary Account Number and performs account verification. What is the primary account number?....Is it the number on the face of the credit card? I've been trying to look into this online and I'm still a little confused on where this number is found.
I saw the test data but I'm trying to understand if I can use this API in a real life situation because I'd need to know if I have access to a customers PAN. So that is why I want to know what the PAN really is. Is it the credit card number?
That's a good question! The Primary Account Number (PAN) is a number embossed and/or encoded on payment cards and tokens that identifies the card issuer and the funding account and is used for transaction routing. PAN has 16 digits for US and could be ranged between 16-19 digits outside USA for VISA. PAN data will be generated by Issuer banks only. For PAN information processing you need PCI/DSS Compliance.
For Payment Account Validation PAN test data that you can use for your testing, please see the photo attachment.
when you open a account at a bank, you get a [savings/checkings] account number. you also might get a [debit card] account number which is printed on the card. the debit card account number links to your savings/checkings account number. the debit card account number is needed because the card can run transactions over the visa/mc network.