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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