Card Insights

Changed on Nov 6, 2026

The Card Insights API allows you to perform address verification (AVS), name verification (ANI), CVV, email, and phone verification checks. You can also check the card's push and pull transaction capabilities and retrieve the Payment Account Reference (PAR).

Provide exactly one credential per request: either a card or a networkToken.

post/insights/cards

Request

Base URL
https://api.evervault.com
Auth
HTTP basic
TypeScript
https://skmtc.dev/evervault/apis/evervault-api/docs/insights/cards/post.ts
A function with typed inputs. Its response is checked against the schema.

Request body

extensionsstring[]

The extensions to the card insight request.

emailstring

The cardholder's email address that the email verification is for. Required if the email extension is requested.

phonestring

The cardholder's phone number, in ISD format (00 followed by the country calling code and the national number), that the phone verification is for. Required if the phone extension is requested.

externalCustomerReferencestring

An optional reference of your choice, such as a correlation ID, that is attached to the request. The reference will be visible in your logs. Must be between 1 and 255 characters.

Example request

{
  "card": {
    "number": "4111111111111111",
    "expiry": {
      "month": "12",
      "year": "29"
    },
    "cvv": "123"
  },
  "networkToken": {
    "number": "4111111111111111",
    "cryptogram": "AgAAAAAABk4DdZzBRckAAAAA",
    "expiry": {
      "month": "12",
      "year": "29"
    },
    "transactionIdentifier": "1234567890",
    "brand": "visa",
    "funding": "credit",
    "eci": "05"
  },
  "cardholder": {
    "firstName": "John",
    "lastName": "Doe",
    "middleName": "Michael",
    "suffix": "Jr",
    "ownerType": "primary"
  },
  "email": "john.doe@example.com",
  "phone": "0016505551234",
  "address": {
    "postalCode": "10001",
    "line1": "123 Main Street",
    "line2": "Apt 4B",
    "city": "New York",
    "state": "ny",
    "country": "us"
  },
  "externalCustomerReference": "00-4bf92f3577b34da6a3ce929d3e0e4736-00f067aa0ba902b7-01"
}

Response

Returns the Card Insight object

idstring required

The unique identifier for the Card Insight

fingerprintstring

A unique, cryptographically secure identifier for the card number. Useful for deduplication.

feesunknown

paymentAccountReferencestring

The unique identifier of the Payment Account associated with this card.

createdAtinteger required

Unix timestamp of when the card insight was created

Example response

{
  "id": "card_insight_1234567890",
  "fingerprint": "WUlcOAgQcTN1GEUaoaKrLH1wL2PZrjsUS7byUGZyUEA",
  "bin": {
    "brand": "visa",
    "funding": "credit",
    "segment": "consumer",
    "country": "us",
    "currency": "usd",
    "issuer": "Gringotts Wizarding Bank and Trust Company",
    "productName": "Visa Credit",
    "fastFunds": {
      "domestic": true,
      "crossBorder": true
    },
    "matchPrecision": 8,
    "threeDS": {
      "supportedVersions": {
        "accessControlServer": [
          "2.2.0"
        ],
        "directoryServer": [
          "2.2.0",
          "2.3.1"
        ]
      },
      "acsInfoIndicators": [
        {
          "code": "acs-auth-available",
          "indicator": "01",
          "description": "Authentication Available at ACS"
        }
      ]
    },
    "type": "card"
  },
  "capabilities": {
    "push": {
      "enabled": true,
      "network": "visa",
      "type": "credit",
      "availability": "immediate",
      "regulated": true,
      "currency": {
        "alphaCode": "usd",
        "numericCode": "840"
      },
      "country": {
        "alphaCode": "us",
        "numericCode": "840"
      }
    },
    "pull": {
      "enabled": true,
      "network": "visa",
      "type": "credit",
      "regulated": true,
      "currency": {
        "alphaCode": "usd",
        "numericCode": "840"
      },
      "country": {
        "alphaCode": "us",
        "numericCode": "840"
      }
    }
  },
  "fees": null,
  "cvv": {
    "code": "match",
    "value": "M"
  },
  "email": {
    "value": "1",
    "code": "match"
  },
  "phone": {
    "value": "1",
    "code": "match"
  },
  "address": {
    "networkIdentifier": "1234567890",
    "networkResponseCode": {
      "code": null,
      "value": "85"
    },
    "result": {
      "value": "Y",
      "address": "match",
      "zip": "match"
    }
  },
  "cardholder": {
    "result": {
      "value": "M",
      "code": "match-performed"
    },
    "fullName": {
      "value": "M",
      "code": "match"
    },
    "firstName": {
      "value": "M",
      "code": "match"
    },
    "lastName": {
      "value": "M",
      "code": "match"
    }
  },
  "paymentAccountReference": "V0010011111111111111111111111",
  "createdAt": 169297262323
}

Changes

Nov 6, 20268d0ca833fa04 Revision changes
- breaking
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- warning
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- warning
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- warning
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- warning
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- warning
  added the new unsupported enum value to the // response property for the response status
- warning
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- info
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- info
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- info
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- info
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- info
  added the new phone enum value to the request property /
- info
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  response property fees deprecated
Apr 17, 20265e1eb58d42d5 Revision changes
- info
  endpoint added

Operation history