
To verify a credit card on Steam, you'll need to enter your card details into the Steam website.
Steam will then send a verification code to your phone or email, which you must enter to complete the process.
This code is sent to the number or email address associated with your Steam account, so make sure they're up to date.
Steam requires verification to ensure the card is valid and to prevent unauthorized transactions.
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Steam Payment Verification Process
Steam's payment verification process is designed to ensure the security of your account and prevent unauthorized transactions.
To initiate the process, you'll need to have a valid credit card on file with Steam, as explained in the section on "Adding a Credit Card to Steam".
Steam will then send a verification code to your registered email address, which you'll need to enter on the Steam website to complete the verification process.
The verification code is usually sent within a few minutes of submitting your request, and you'll need to enter it within 24 hours to complete the process.
If you're having trouble receiving the verification code, you can try checking your spam folder or contacting Steam support for assistance.
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Process Steps

To verify your credit card on Steam, you'll need to go through a straightforward sequence of steps. The verification process is designed to ensure that your card is valid and secure.
Here's a step-by-step guide to help you through the process:
1. Enter the exact amounts of your transactions.
2. Confirm the verification by checking the values against the authorizations placed by Steam.
3. If the values match, your card is verified, and you can enjoy Steam's online community with no limitations.
In some cases, Steam may require credit card verification, such as when using a new credit card, making large purchase attempts, or using a new device.
Here are the main situations when Steam will require credit card verification:
- Using a new credit card
- Large purchase attempts
- Using a new device
- Suspicious account activity
Remember, verifying your credit card on Steam is a simple process that ensures your account is secure and ready for gaming.
Confirm the Verification
Once you've submitted your credit card information to Steam, the verification process begins. Steam will place two small temporary authorizations on your card, usually less than $1 each.
These authorizations will be used to confirm that the card belongs to you and to unlock marketplace features. By verifying small test charges, Steam ensures the cardholder is making the purchases.
The verification process is designed to prevent fraudulent purchases on stolen cards. It's a necessary step to ensure that your Steam account is secure.
After the authorizations are placed, you'll be prompted to confirm them. This is where things can get a bit tricky. If the values don't match, you'll be asked to retry entering the exact amounts.
Here's a step-by-step guide to confirming the verification:
1. Enter the exact amounts of the authorizations as prompted by Steam.
2. Wait for Steam to check your entered amounts against the authorizations they placed.
3. If the values match, your card is verified and you can enjoy Steam's online community with no limitations.
Remember, the verification process typically takes 5-10 business days to complete.
Steam Payment Requirements
Steam verifies credit cards to confirm the card belongs to you and to unlock marketplace features. By verifying small test charges, Steam ensures the cardholder is making the purchases.
To confirm this, Steam places two small temporary authorizations on your card, usually less than $1 each. These holds are removed within 5-10 business days after you confirm the charges.
Steam requires credit card verification in specific situations, including using a new credit card, making large purchase attempts, using a new device, or suspicious account activity.
If you're using a new credit card, Steam will require verification, even if you've used other cards before. This is a standard security measure to prevent unauthorized purchases.
Steam may also trigger verification if you're trying to make an unusually large purchase, as a fraud prevention measure. This ensures that your account is secure and protected.
If you're logging into your Steam account on a new computer or device, verification may be required. This is another security measure to prevent unauthorized access to your account.
In all these situations, verification is necessary to maintain the security and integrity of your Steam account.
For another approach, see: How to Add Payment Method to Google Account
Common Questions

You can browse Steam without verifying your credit card, but it's required to access marketplace features like trading and selling. Verification is recommended.
If your entered amounts don't match, Steam will prompt you to re-enter them correctly. Refer to your statements for the real authorization values.
The two verification authorizations expire and drop from your statement in 5-10 business days.
You can use a different payment method, but each new credit card or payment type added will require going through Steam's verification process.
Steam's verification works for cards from any country, just be sure to enter the raw authorization amounts shown on your statements.
You shouldn't have to re-verify unless you add a new payment method. One verification typically gives permanent access. Without ability to view card statements, unfortunately you won't be able to verify. Contacting your card provider may help if possible.
Completing credit card verification is the only way to lift marketplace and trading restrictions on new Steam accounts.
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Steam Market Unavailable
If you're unable to access the Steam Community Market, it's likely due to an unverified credit card that has had recent activity.
Steam will display a message stating that the Market is unavailable because of an unverified credit card.
You can attempt to verify the funds immediately or wait for the restriction to be automatically removed.
Verifying the funds may not work with all banks or credit cards, so be prepared for that possibility.
If you can't verify your card, you'll need to wait while Steam verifies it with the payment method.
Steam Support can't provide or convert verification charges, and they can't remove this restriction.
You'll be able to use the Community Market again after the restriction is lifted, which can happen automatically if nothing further occurs to restrict your access.
In some cases, the restriction will be lifted on a specific date and time, as shown in the message "If nothing further occurs to restrict your access, you'll be able to use The Community Market on 16/07/2016, 12:50:07".
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Frequently Asked Questions
Why won't my credit card work on Steam?
Your credit card may not work on Steam due to a failed AVS or CVV2 check with your bank, resulting in a 'hold' on the transaction. Check your card details and contact your bank to resolve the issue
Is Steam trusted with a credit card?
Steam uses HTTPS encryption to secure credit card information, but there's still a risk of information exposure. Your credit card info is encrypted and only accessible to you and Steam, but it's not completely risk-free.
How do I check if my Steam card is valid?
To check if your Steam card is valid, first verify the expiration date on the card and ensure it's within its validity period. Then, check the alphanumeric code on the back to confirm it's usable.
Sources
- https://help.xsolla.com/payments/card-verification
- https://www.deftpaymentsystems.com/steam-verify-credit-card/
- https://www.steamgifts.com/discussion/UGMSQ/steam-credit-card-verification
- https://www.paypal-community.com/t5/Transactions-Archives/Credit-Card-declined-sale-but-Steam-purchase-pushed-through/td-p/2944828
- https://www.steamgifts.com/discussion/cY2Q7/steam-community-market-unavailable-cause-unverified-credit-card
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