在商品试用等场景下，商户会要求用户在支付前会提供一张有效的信用卡，此时可以考虑使用0元验卡功能，在确认卡可用的前提下提供更好的用户体验（相比较于1元验卡）
官方文档：https://www.checkout.com/docs/risk-management/card-verification

请求示例

  1.     {
  2.       "source": {
  3.         "type": "token",
  4.         "token": "tok_yo2zfqgdnn4u7gswjbjmqt5mza"
  5.       },
  6.       "currency": "USD"
  7.     }

返回示例

  1.     {
  2.       "id": "pay_aqwuar5sjb5upkupgywyzapfii",
  3.       "action_id": "act_aqwuar5sjb5upkupgywyzapfii",
  4.       "amount": 0,
  5.       "currency": "USD",
  6.       "approved": true,
  7.       "status": "Card Verified",
  8.       "auth_code": "085143",
  9.       "eci": "05",
  10.       "scheme_id": "638284745624527",
  11.       "response_code": "10000",
  12.       "response_summary": "Approved",
  13.       "risk": {
  14.         "flagged": false
  15.       },
  16.       "source": {
  17.         "id": "src_o67xgoxulgnuhgeaxsdk4cbvgq",
  18.         "type": "card",
  19.         "expiry_month": 9,
  20.         "expiry_year": 2022,
  21.         "scheme": "Visa",
  22.         "last4": "4242",
  23.         "fingerprint": "F31828E2BDABAE63EB694903825CDD36041CC6ED461440B81415895855502832",
  24.         "bin": "424242",
  25.         "card_type": "Credit",
  26.         "card_category": "Consumer",
  27.         "issuer": "JPMORGAN CHASE BANK NA",
  28.         "issuer_country": "US",
  29.         "product_id": "A",
  30.         "product_type": "Visa Traditional",
  31.         "avs_check": "S",
  32.         "cvv_check": "",
  33.         "fast_funds": "d",
  34.         "payouts": true
  35.       },
  36.       "customer": {
  37.         "id": "cus_vrdaroxvawlevmxxvhi66thpum"
  38.       },
  39.       "processed_on": "2019-01-17T17:41:52Z",
  40.       "_links": {
  41.         "self": {
  42.           "href": "https://api.sandbox.checkout.com/payments/pay_aqwuar5sjb5upkupgywyzapfii"
  43.         },
  44.         "actions": {
  45.           "href": "https://api.sandbox.checkout.com/payments/pay_aqwuar5sjb5upkupgywyzapfii/actions"
  46.         }
  47.       }
  48.     }

特殊逻辑

当用户的银行卡不支持0元验卡时，Checkout.com的系统会自动发起一笔1USD授权来验证卡的有效性，并在授权成功后自动发起撤销。