I have a basic question, I am a developer working on a startup and we have payment processing needs as well as we need some basic credit card checking requirements. Which boils down to checking if the card is valid and storing some key (e.g. validated or not validated) in our database. To comply with PCI DSS, we do not store any other info in our databases. The question is, could we use VISA API for such purposes? We are not a bank or financial institutions, if there are such requirements.
Can you please confirm if you are talking about validating the payment account or card number verification service to promote targeted Visa card benefits?
Not sure what you meant, but what I want to do is as follows. User enters his card data, I shall need to know if this card is a valid one, issued by you or some fake card. Is there anyway to know such a information?
To process secure payments, please take a look at the following Visa APIs.
I've also included the Payment Account Validation API, which helps you to determine if a particular Visa account is valid. The API currently provides three methods of account validation: Account Verification, Address Verification and Card Verification Value (CVV2) Validation.
Payment Account Validation