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Anticipated Amount Verification

Anticipated amount verification enhances account verification by enabling you to include an anticipated transaction amount in an account verification request and receive a funds availability signal in the account verification response. This capability provides a point-in-time indication of whether an account might support an anticipated purchase amount without placing a hold on cardholder funds, requiring a reversal transaction, or initiating a financial authorization.

Anticipated amount verification supports scenarios where you seek greater confidence in the likelihood of a future authorization being approved. These are a few examples:

Card-on-file setup

Recurring payments

Subscriptions

Free trials

Reservations

Relayed-charge transactions

Anticipated amount verification provides a funds availability signal in the zero-amount account verification message, an alternative to using low-value authorizations for account validation and pre-transaction decisioning purposes.

Amount Limitation

For transactions on the Visa network, anticipated amounts are limited to 50.00. If you submit an anticipated amount greater than 50.00, the amount is not processed and the transaction proceeds as a standard account validation.

Fields Specific to this Feature

This field is specific to this feature:

orderInformation.amountDetails.anticipatedAmount: Set this value to the anticipated transaction amount that you want evaluated for funds availability.

Endpoint

Production:

POST https://api.visaacceptance.com/pts/v2/payments

Test:

POST https://apitest.visaacceptance.com/pts/v2/payments

Required Fields for Processing an Anticipated Amount Verification

orderInformation.amountDetails.totalAmount: Set the value to
0
.
orderInformation.amountDetails.currency
orderInformation.amountDetails.anticipatedAmount: Set the value to the anticipated transaction amount that you want evaluated for funds availability.
paymentInformation.card.number
paymentInformation.card.expirationMonth
paymentInformation.card.expirationYear

Optional Fields for Processing an Anticipated Amount Verification

clientReferenceInformation.code
paymentInformation.card.securityCode

Response Field for Anticipated Amount Verification

The account verification response returns the funds availability code in these fields:

processorInformation.responseCode

Indicates the result of the funds availability evaluation. This field returns one of these values:

00: The account is valid and in good standing. Funds were evaluated, and the anticipated amount is available.
Z5: The account is valid and in good standing. Funds were evaluated, and the anticipated amount is not available.
85: The account is valid and in good standing, but funds were not evaluated. This value does not indicate insufficient funds.

REST Example: Processing an Anticipated Amount Verification

Request

{
  "clientReferenceInformation": {
    "code": "TC50171_3"
  },
  "paymentInformation": {
    "card": {
      "number": "411111111111xxxx",
      "expirationMonth": "12",
      "expirationYear": "2031",
      "securityCode": "915"
    }
  },
  "orderInformation": {
    "amountDetails": {
      "totalAmount": "0",
      "currency": "USD",
      "anticipatedAmount": "40"
    }
  }
}

Response to a Successful Request

{
  "_links": {
    "authReversal": {
      "method": "POST",
      "href": "/pts/v2/payments/7931671131636730804806/reversals"
    },
    "self": {
      "method": "GET",
      "href": "/pts/v2/payments/7931671131636730804806"
    },
    "capture": {
      "method": "POST",
      "href": "/pts/v2/payments/7931671131636730804806/captures"
    }
  },
  "clientReferenceInformation": {
    "code": "TC50171_3"
  },
  "id": "7931671131636730804806",
  "orderInformation": {
    "amountDetails": {
      "authorizedAmount": "0.00",
      "currency": "USD"
    }
  },
  "paymentAccountInformation": {
    "card": {
      "type": "001"
    }
  },
  "paymentInformation": {
    "accountFeatures": {
      "category": "A",
      "group": "0"
    },
    "tokenizedCard": {
      "type": "001"
    },
    "card": {
      "type": "001"
    }
  },
  "processorInformation": {
    "systemTraceAuditNumber": "094792",
    "merchantNumber": "12345678",
    "approvalCode": "675634",
    "cardVerification": {
      "resultCodeRaw": "M",
      "resultCode": "M"
    },
    "merchantAdvice": {
      "code": "01",
      "codeRaw": "M001"
    },
    "networkTransactionId": "016153570198200",
    "retrievalReferenceNumber": "630005094792",
    "consumerAuthenticationResponse": {
      "code": "2",
      "codeRaw": "2"
    },
    "transactionId": "016153570198200",
    "responseCode": "Z5",
    "avs": {
      "code": "1"
    }
  },
  "reconciliationId": "7931671131636730804806",
  "status": "AUTHORIZED",
  "submitTimeUtc": "2026-10-28T05:58:33Z"
}