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Rugby, United Kingdom Head Office

Swift Park, Old Leicester Road
Rugby
GB

Telephone

01788 554800

Contact

Jo C Davison
[email protected]

Experian Payments Bank Wizard for Card Payments

Bank Wizard for Card Payments is a unique service and software solution for validating UK credit, debit and charge card details. It is especially suited to organisations which undertake card authorisation in batch without the cardholder being present. Easily embedded within existing applications, Bank Wizard for Card Payments uses the most accurate database of card information available, allowing users or applications to check the validity of card details prior to the authorisation process.

In addition to the standard error rates associated with data entry (typically between 2% and 8%), processing card details is further complicated by:

  • Inconsistent card format – there are numerous types of card in circulation with a diverse range of how the different numbers appear
     
  • Adoption of e-commerce – the rapid increase in Internet and telephone payment systems whereby customers now key-in their own details directly

Errors in the processing of card details represent a major source of administration costs for card merchants and can result in poor levels of customer service and potentially a loss of income. By validating the details at point of capture, Bank Wizard for Card Payments can eliminate these problems entirely.

 Summary of features

Card details are checked at the point of data entry
Full validation of card scheme type and availability of card scheme information
Modulus and length checking of card number
Configurable for selective card acceptance
Ensures requisite data is captured including issue number, card start/expiry dates, security codes (CVV2) and address details (for AVS check)
Optional checking of card start and expiry dates
Available for all main operating systems

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