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What are Card Verification Codes or Card Verification Values?


Doc ID:    A430
Version:    3.0
Status:    Published
Published date:    04/17/2015
Updated:    04/17/2015
Categories:    Integration
 

Answer

The CVV2 (Card Verification Value 2) or CVC2 (Card Validation Code 2) is a three-digit security code printed on the back of credit cards. The CVV2 or CVC2 code appears in reverse italic at the top of the signature panel. For American Express cards, it is a four-digit number on the front of the card. These numbers provide an extra measure of security against credit card fraud.

Cardholders must be capable of providing both the credit card number as well as the card validation value in order to successfully complete a transaction. All MasterCard cards, both credit and debit, were required to contain CVC2 by January 1997 and all Visa cards were required to contain CVV2 by January 2001.

How does CVV2 work?

Merchants may request the CVV2 value from the customer when processing a card-not-present transaction. The cardholder can find this code on the back of the credit card and enter it in the appropriate field. Authorize.Net then verifies the CVV2 value during the authorization process and relays the decline/approval results. By using the CVV2 program along with the Address Verification Service (AVS), merchants are able to make a more informed decision about whether to accept a particular credit card transaction.

How do I use CVV2 with Authorize.Net?

To control whether or not a particular transaction is declined based on the CVV2 response, follow these instructions:

  1. Log into the Merchant Interface at https://account.authorize.net.
  2. Click Account from the main toolbar.
  3. Click Settings from the menu on the left.
  4. Select Card Code Verification.
  5. Select the CVV2 response codes that you would like to reject.
  6. To save the changes, click Submit.

The filters that you may select are as follows:

N = Does NOT Match

P = Is NOT Processed

S = Should be on card, but is not indicated

U = Issuer is not certified or has not provided encryption key

Note: Transactions with a valid CVV2 code will return a response that indicates a match and will be processed through the system as normal. Transactions with invalid CVV2 codes will only be rejected if you select the corresponding box in the Card Code Settings.

**The FDC and Paymentech processors will ignore CVV2 and AVS fields if a transaction is flagged as recurring billing. Because the CVV2 field is ignored, the CVV2 response code returned is 'Not Processed.' If you have selected to reject the card code reason P, the Authorize.Net system will reject the transaction.

How do I get the CVV2 field to show up on my Payment Form or in the Virtual Terminal?

To add the CVV2 security code field to your Virtual Terminal or Payment Form, please follow these steps:

  1. Log into the Merchant Interface at https://account.authorize.net.
  2. Click Account from the main toolbar.
  3. Click Settings from the menu on the left.
  4. Click Virtual Terminal under Transaction Format Settings.
  5. Select the CVV2 field as viewable and editable.
  6. Click Submit.

To add the CVV2 fields to the Payment Form, follow these steps:

  1. Log into the Merchant Interface at https://account.authorize.net.
  2. Click Account from the main toolbar.
  3. Click Settings from the menu on the left.
  4. Click Payment Form.
  5. Click Form Fields.
  6. Select the CVV2 Code field as viewable and editable.
  7. Click Submit.

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