An information request is an operation that allows to verify the validity of the card, without debiting it.
This is a specific type of authorization request, the amount of which is 0 €.
When the acquirer does not support information requests, the only way to verify a card is to make a EUR 1 authorization request, without capturing it at the bank.
Holders of prepaid and immediate debit cards will see a virtual debit of EUR 1 on their account.
Depending on the card type, the outstanding balance of the card is then restored when the issuer cancels the EUR 1 authorization request (up to 30 days for debit cards).
- For a deferred payment, if the capture date is beyond the authorization lifespan
- When creating a card token without a payment
- When updating a card token
Information requests (or EUR 1 authorizations, if applicable) are represented in the Merchant Back Office by a “ Verification ” type transaction.