Home » Categories » NRO Online Help » Payment

AVS and CVV Definitions

Summary:

Definitions of AVS (Address Verification Service) and CVV (Card Verification Value) and how they affect NCR Secure Pay Settings within the NCR Retail Online (NRO) Admin Panel.

Address Verification Service (AVS):

The Address Verification Service (AVS) checks the billing address submitted by the card user with the cardholder's billing address on record at the issuing bank. This is done as part of the merchant's request for authorization of the credit card transaction. The credit card processor sends a response code back to the merchant indicating the degree of address matching, depending on which the credit card transaction may be accepted or rejected. Read more:Address Verification Service (AVS) Definition | Investopediahttp://www.investopedia.com/terms/a/address-verification-system.asp#ixzz3m6fJOmd4

In NRO Admin Panel, under System / Configuration / Sales / Payment Methods / NCR Secure Pay, Credit Card Address Verification can be set to:


Validate All - this setting verifies the numeric portion and the zip code of a cardholder's billing address.  For example, if the address is 100 N. Main Street, Memphis, TN, 38101, in the United States, AVS will check 100 and 38101.  Transactions will be declined by the cardholder's issuing bank if both values do not match what is on file for the cardholder's credit card account.

Validate Zip Only - this setting verifies only the zip code of a cardholder's billing address.  Transactions will be declined by the cardholder's issuing bank if the zip code entered does not match what is on file for the cardholder's credit card account.

Validate Street Address Only - this setting verifies only the numeric portion of the cardholder's billing address.  Transactions will be declined by the cardholder's issuing bank if the numeric portion of the street address entered does not match what is on file for the cardholder's credit card account.

Do Not Use AVS - this setting does not verify either the numeric portion or the zip code of the cardholder's billing address, and is the least restrictive of the AVS checking options.

If a customer's order is "Declined due to AVS mismatch", the authorization code, along with the hold on the authorized funds, will remain on the customer's card until the card issuing bank removes the authorization.

Decline Unknown AVS Response

If you have Crredit Card Address Verification set to Validate All, Validate Zip Only, or Validate Street Address Only, the Decline Unknown AVS Response setting will be available under System / Configuration / Sales / Payment Methods / NCR Secure Pay.  This setting determines what will happen if NCR Secure Pay receives an "Unknown" response back from the cardholder's credit card issuer.  If this field is set to Yes, transactions will be declined.  

WARNING:
Generally, international card issuing banks cannot or do not return AVS information to the processor.  Having this AVS option set to YES could cause international orders or orders using international payment methods to fail the AVS lookup.  There is a higher liability for the merchant if these transactions are not declined. We recommend discussing this option with your processor who can help make an informed decision about whether to allow or disallow unknown responses.


Card Verification Value (CVV):

A series of three or four numbers on the front or back of a credit card that provide an additional layer of security when a credit card is used to make a purchase online or over the phone. Validation codes are also called security codes or card verification values and are sometimes referred to as CVV, CV2 or CVV2 codes. On American Express cards, the validation code is a four-digit number located on the front of the card on the right-hand side, in small print above the credit card account number. Most other credit card issuers print the validation code on the back, on the far right side of the signature panel.  
Read more:Validation Code Definition | Investopediahttp://www.investopedia.com/terms/v/validation-code.asp#ixzz3m6fsMSe0

Credit Card Verification

When the Credit Card Verification field is set to Yes, customers must enter the three or four digit validation code from the credit card when they place an order.  Transactions will be declined if the code is not entered or does not match what is on file with the cardholder's issuing bank.

Decline Unknown CVV Response

When the Credit Card Verification field is set to Yes and Decline Unknown CVV Response is also set to Yes, transactions will be declined if an Unknown response is received back from the cardholder's credit card issuer.



TIP:
Check the Failed tab of your store's NCR Secure Pay account for a list of declined transactions, including the reasons for the declines.


TIP:
AVS/CVV settings within Counterpoint are not used for Ecommerce orders. AVS/CVV is handled by NRO at the moment an order is placed, so the NRO Admin Panel settings for AVS and CVV are used rather than those in Counterpoint.
Attachments Attachments
There are no attachments for this article.
Comments Comments
There are no comments for this article. Be the first to post a comment.
Related Articles RSS Feed
Processing Orders the Automated Way
Added on Fri, Dec 27, 2013
NRO Credit Card Processing
Added on Mon, Dec 23, 2013
Google Checkout has been retired
Added on Mon, Jul 22, 2013
Does Monetra 7 accept pre-paid debit and credit cards?
Added on Mon, Mar 24, 2014
Supported Payment Gateways in NRO
Added on Fri, Jun 29, 2012
NCR Secure Pay Setup
Added on Sat, Sep 29, 2012
Payment Options in NRO
Added on Tue, Aug 7, 2012
Canadian Merchants and Credit Card Processing / NCR Secure Pay
Added on Fri, Jun 14, 2013
Can I use my existing CPGateway setup in NRO?
Added on Wed, Sep 19, 2012