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AVS / Security Code
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The Web-Merchant payment system includes fraud prevention
measures designed to help reduce your exposure to fraud
and increase shopper confidence in online trading. One
additional security facility is that the Payment Pages
will now prompt your shoppers for their card security
code and billing address. This information is then compared
with the UK card issuer's records (where available)
and the results of the comparison passed back to you
for consideration. This additional transaction information
is designed to help you decide if you should defer delivery,
refund the transaction or research further about the
cardholder. We and the Acquirer will not decline any
transactions based on the card security or address verification.
Note: This facility only applies for transactions where
the card used was issued in the UK.
AVS
The Address Verification Service (AVS) enables the
address, including postcode, entered by the shopper
to be compared against the UK card issuer's records
and the results passed back to you via an email, your
callback and the CMS. As part of this service the country
associated with the shoppers address will be compared
with the country the card was issued in.
To use the AVS verification service the address entered
by shopper must be their billing address (the address
where the shopper's card statement is currently sent).
The billing address must match the address held by the
Card Issuer exactly.
Security Code
The Security Code verification service enables the
card security code entered by the shopper to be compared
against the UK card issuer's details and the results
passed back to you via an email, your callback and the
CMS.
The card security code is a number printed on the card.
The number is not embossed on the card and hence not
printed on receipts, making it much harder for anyone
other than the cardholder to know what the code is.
This will help prevent 'cardholder not present' fraud.
A security code is now printed on the vast majority
of credit/debit cards.
The format and position of the security code varies
across card schemes. Some cards have a three-digit number
printed at the end of the cards’ signature strip.
Some (AMEX cards for example) have a four digit number
on the front of the card. Some card issuers refer to
this number as the 'Security Code' (for AMEX cards)
and others as 'Card Verification Value'. It may also
go by the name of 'CVV2' for Visa Cards, or 'Card Verification
Code' (CVC) for Mastercard/Eurocard.
We provide AVS/Security Code verification service in
conjunction with UK banks and card issuers. We pass
the information entered by the shopper to our banking
partners who pass it to the card issuers for comparison
with their records. The results of the comparison are
then passed back, through our system, to you. Both the
acquiring bank to whom we pass your transactions and
the card issuer must also provide/support an AVS/Security
Code verification system in order that the comparison
can take place. Where either the acquiring bank or the
card issuer does not yet provide support, we pass a
'not supported' message back to you.
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