public function validate($ccNumber, $ccValid, $amount = 1.0, $text = null)
    {
        $service = $this->getService();

        $validMonth     = substr($ccValid, 0, 2);
        $validYear      = substr($ccValid, 3, 4);
        $ccData         = new Model\CreditCardData($ccNumber, $validMonth, $validYear);
        $validateAction = new Request\Action\Validate($service, $ccData, $amount, $text);

        return $validateAction->validate();
    }