Hi @enoughsoup,
For your use case, I recommend you to use the Payment Account Validation (PAV) API because this API is used to check if the account is in good standing or it is used for account verification primarily. You would only use PAV if you were interested in validating that an account is active/in good standing prior to sending an authorization. You can optionally check different attributes (AVS, ANI, CVV2), but it's always with the intention of pre-validating the account before a financial transaction is initiated. Here's the link to the Payment Account Validation documentation here: https://developer.visa.com/capabilities/pav
Visa is not moving to 19 digit PAN numbers at this time. Visa plans to continue to use 16 digit PANs.
No credit cards are going to 19 digits. All PAN length’s will remain at 16 digits (except VPAY in EU – they are the only product that has 19 digit PANs). I pulled the below screenshot for you to see how it works and what’s changing. There is a ton of information on Visa Online (VOL) – just search for “numerics”.
