# Account Verification (Zero-Value Authentication)

## Overview

**Account Verification**, also known as **zero-value authentication**, lets you process a cardholder's details without charging them. This feature is typically used when you need to collect, verify, and store a customer's card details on an initial transaction to charge them at a later date.

## How to Use

You must get consent from the cardholder to store their card on file, regardless of how you intend to use those stored credentials for future transactions.

The first step requires you to set the following fields when creating a Payment Session via the [paymentSessionCreate](/documentation/api/reference/openapi#operation/paymentSessionCreate) endpoint:

**Request Example**:


```json Account Verification - Payload Example
{
  ... (fields omitted for brevity)
  "amount": 0,
  "verifyAccount": true
}
```

After setting these fields, you can process the Payment Session by sending the customer's card information through one of our integration methods. If successful, the card details will be securely stored against the customer.

**Please Note**: 3D-Secure is required for this initial transaction.

### Next Steps

To process a Zero-Value Authentication payment, you can follow the steps outlined in [this](/documentation/get_started/process_payments/embedded_sdk_v3/additional_config#zero-value-authentications) section.

**Account-Verification payments requires a specific SDK configuration.**