How are payment methods validated with Tilled and when are the checks performed?

Payment Method Creation using Tilled.js

• Input Validation:
  • Card Number: Validated through Tilled.js using the Luhn10 algorithm.
  • CVV: Length verified by the card brand.
  • Expiration Date: Ensured to be current, without expiration.

Tilled.js internally triggers a POST request to /v1/payment-methods, applying the same validation checks.

Payment Method Creation via POST /v1/payment-methods

• Verification:
  • Card Number, Expiration, Account Number, and Routing Number: Validated by our downstream processor.

Utilization of a Payment Method in a Payment Intent and Confirmation

• Authorization:
  • An authorization matching the payment intent's amount is placed on the customer's account, ensuring sufficient funds are available.
• Verification:
  • Card Number, Expiration, Account Number, and Routing Number: Verified directly with the customer's bank.
  • Address Verification System (AVS): Ensures the street number and zip code match the address on file with the issuing bank. 
  • Card Verification Code (CVC): Checked specifically during the initial use of a card.