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What is Card Code Verification?


Doc ID:    A546
Version:    2.0
Status:    Published
Published date:    11/04/2011
Updated:    11/04/2011
 

Answer

Card Code Verification (CCV) provides an extra measure of security against fraudulent credit card transactions. The Card Code is a security code that is printed on a credit card's signature panel in reverse italics, or following the full card number on the front of the card.

Note that different card brands and shopping carts may refer to the Card Code by different terms, such as Card Security Code (CSC), Card Verification Data (CVD), Card Verification Value (CVV/CVV2), Card Verification Code (CVC/CVC2), or Verification Code (V-Code). Because of all the possible terms for this security feature, in this document the terms Card Code and Card Code Verification will be used exclusively.

When Card Code Verification is required, customers must provide the Card Code as well as the credit card number on the front of the card in order to successfully complete a transaction. The Card Code Verification page of the Merchant Interface has settings to indicate when to accept or decline transactions based on the Card Code response from the processor.

To change your Card Code rejection settings:

  1. Log into the Merchant Interface at https://account.authorize.net
  2. Click Account from the main toolbar.
  3. Click Settings.
  4. Click Card Code Verification.
  5. Click the box next to each CCV condition upon which you would like to reject a transaction. (You may check more than one condition.)

    These are the values returned for Card Code Verification:

    N - Card Code value entered does not match card issuing bank's records
    P - Card Code value not processed by the card issuing bank or payment processor
    S - Card Code value should be on card but was not indicated. This is usually returned because the card code was not submitted for processing.
    U - Card issuer is not certified and/or has not provided encryption key
     
  6. Click Submit. A confirmation message indicates that your settings have been successfully applied.

Note: If you are using the Virtual Terminal or the payment gateway hosted Payment Form and want to use Card Code Verification, be sure that you have marked the Card Code field as viewable and editable in the Virtual Terminal and Payment Form settings.

To display the Card Code field in the Virtual Terminal:

  1. Log into the Merchant Interface at https://account.authorize.net.
  2. Click Account from the main toolbar.
  3. Click Settings.
  4. Click Virtual Terminal under the Transaction Format Settings section.
  5. Check the boxes to display Card Code.
  6. Click Submit.

Passing Card Code from a Website/Shopping Cart

In order to pass the Card Code from a website/shopping cart to the Authorize.Net, make sure to update the transaction version within the payment gateway as well as in the website/shopping cart script.

Your script will need to send the field x_version, set to "3.1", as well as the field x_card_code which would be set to the customer's Card Code.

You can find more details about these fields in the AIM Integration Guide, at http://developer.authorize.net/api/aim/.

Please note that SIM does not support x_card_code directly, but would allow the customer to enter the Card Code on the Authorize.Net Hosted Payment Form.

To update the transaction version for the Authorize.Net gateway:

  1. Log into the Merchant Interface at https://account.authorize.net.
  2. Click Account from the main toolbar.
  3. Click Settings.
  4. Click Transaction Version.
  5. Select Version 3.1.
  6. Click Submit.

For more information on Card Code Verification and transaction version 3.1, visit our online video tutorials at http://www.authorize.net/videos .


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