Credit Cards

Server-Side Implementation

GraphQL
Click here to view the server-side implementation using GraphQL.

Creating transactions

Using Transaction: Sale is the simplest way to create a credit card transaction.

You can create a transaction with just an Amount and a PaymentMethodNonce relayed from your client and immediately submit it for settlement.

Collect device data from the client and include the DeviceDataFromTheClient in the transaction.

var request = new TransactionRequest
{
    Amount = 10.00M,
    PaymentMethodNonce = nonceFromTheClient,
    DeviceData = deviceDataFromTheClient,
    Options = new TransactionOptionsRequest
    {
        SubmitForSettlement = true
    }
};

Result<Transaction> result = gateway.Transaction.Sale(request);
if (result.IsSuccess()) {
  // See result.Target for details
} else {
  // Handle errors
}

If you want to create a new payment method in the Vault upon a successful transaction , use the Options.StoreInVaultOnSuccess option. If a CustomerId is not included, a new customer will be created.

Card verification

When a payment method is a credit or debit card, you can use card verification to verify that the card data matches a valid, open account before storing or updating it in the Vault.

Braintree strongly recommends verifying all cards before they are stored in your Vault by enabling card verification in the Control Panel.

If you do not want to verify all cards by default, you can run one-time requests using Options.VerifyCard when:

In both cases, the gateway verifies cards by running either a $0 or $1 authorization and then automatically voiding it. If you'd like, you can specify a different Options.VerificationAmount to use for the authorization.

PaymentMethodRequest request = new PaymentMethodRequest
{
  CustomerId = "the_customer_id",
  PaymentMethodNonce = nonceFromTheClient,
  Options = new PaymentMethodOptionsRequest
  {
    VerifyCard = true,
    VerificationMerchantAccountId = "the_merchant_account_id",
    VerificationAmount = "2.00",
  }
};

Result<PaymentMethod> result = gateway.PaymentMethod.Create(request);

important
If you are using our Premium Fraud Management Tools, we strongly recommend passing DeviceData each time you verify a card.

Verification results

If verification was successful, the result will contain a CreditCard response object, which will contain a CreditCardVerification response object.

PaymentMethodRequest request = new PaymentMethodRequest
{
  CustomerId = "the_customer_id",
  PaymentMethodNonce = nonceFromTheClient,
  Options = new PaymentMethodOptionsRequest
  {
    VerifyCard = true
  }
};

Result<PaymentMethod> result = gateway.PaymentMethod.Create(request);
if (result.IsSuccess()) {
  var verification = (CreditCard)result.Target.Verification;
}

Otherwise, you'll receive a CreditCardVerification response object directly on a Customer or PaymentMethod result. This occurs if:

A verification ran, and
It was returned with a Status of processor_declined or gateway_rejected

Reasons for unsuccessful verification results

You can check the ProcessorResponseCode and ProcessorResponseText for the specific reason that a verification was processor_declined

PaymentMethod request = new PaymentMethodRequest
{
    CustomerId = "the_customer_id",
    PaymentMethodNonce = nonceFromTheClient,
    Options = new CreditCardOptionsRequest
    {
        VerifyCard = true
    }
};

Result<PaymentMethod> result = gateway.PaymentMethod.Create(request);

result.IsSuccess();
// false

CreditCardVerification verification = result.CreditCardVerification;
verification.Status;
// "processor_declined"

verification.ProcessorResponseType;
// "soft_declined"

verification.ProcessorResponseCode;
// "2000"

verification.ProcessorResponseText;
// "Do Not Honor"

If the status is gateway_rejected, you can check the GatewayRejectionReason for the specific reason. Learn more about gateway rejections.

Result<Customer> result = gateway.Customer.Create(request);

result.IsSuccess());
// false

CreditCardVerification verification = result.CreditCardVerification;
verification.Status;
// "gateway_rejected"

verification.GatewayRejectionReason;
// TransactionGatewayRejectionReason.CVV

Verifications on sub-merchant accounts

For those using Braintree Marketplace, verifications can't be done using sub-merchant accounts. See Braintree Marketplace Verifications for more details.