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04/09/2025 00:51 AM

1.0

Important Note

This article covers the new Authorize.net experience (2.0) for Card Code Verification (CVV) settings for the new Merchant Interface. For the classic experience (1.0) please see the support article: What is Card Code Verification (CVV) and how to use and configure it? - Classic Experience (1.0).

For information on how to identify what version of Authorize.net you are on, please see: How to identify what version of Authorize.net you are on and switching between them? - Classic (1.0) and New Experience (2.0)

Understanding and Configuring the Card Code Verification (CCV)

Card Code Verification is a standard credit card security feature supported by Authorize.net. It compares the card code provided by a customer for a credit card transaction with the card code on file for the cardholder at the credit card issuing bank. The issuing bank then returns a code to the payment gateway indicating the results of the match. For instance, the code 'M' indicates that the card code matched.

The Card Code Verification filter provides a basic level of protection against suspicious transactions. However, it's not meant to be an absolute safeguard or suitable for all processing scenarios. There can be several reasons why a card code might not match. While it's not mandatory to reject a transaction due to a card code mismatch, we recommend enabling some level of card code verification. For a more comprehensive approach to fraud prevention, consider enabling and using the Authorize.net Advanced Fraud Detection Suite (AFDS) in conjunction with Card Code Verification. For more information on AFDS and how to use it, see: What Is the Advanced Fraud Detection Suite (AFDS) and how to use it?

You can configure the CCV filter settings in the new Merchant Interface to specify when a transaction should be rejected based on the results of the CCV match. The following result codes are possible:

When enabled:

  • Accept transactions when there is a match on the customer's CCV.
  • Decline transactions when there is no match on the customer's CCV.

When not enabled:

  • Accept all transactions regardless if there is a match on the customer's CCV.

Steps to Configure CCV:

  1. Sign in to the Merchant Interface.
  2. Be on or switched into the New Merchant Interface (2.0)
  3. Click Account from the main toolbar.
  4. Click Account and API Settings.
  5. Click Fraud Settings.
  6. Click Card Code Verification (CVV).
  7. Enabled or Disabled the CVV check.
  8. Click Save.

Steps to View a Transactions CCV Response Code:

  1. Sign in to the Merchant Interface.
  2. Be on or switched into the New Merchant Interface (2.0)
  3. Click Payments in the left navigation.
  4. Click Manage
  5. Enter the search criteria/information.
  6. Click on the Transaction ID value to see the transaction detail page.
  7. Find the Card Code Response/CCV result and code under the Authorization Details section.

Possible CCV Response Codes:

  • M = Match - The CVV2 code entered matched that of the credit card.
  • N = Does Not Match - The code entered is incorrect.
  • P = Is Not Processed - The code was not validated.
  • S = Should be on card but not so indicated - The customer left that field blank.
  • U = Issuer not certified or has not provided encryption key - The card issuing bank does not participate in the CVV2 program or hasn't provided the key so that the code can be validated.

For more information on reporting and search options, see: How to search for and manage transactions in the Merchant Interface? - New Experience (2.0)

For more information on transaction details, see: What information and details are in the transaction details view in the Merchant Interface? - New Experience (2.0)

American Express Card Code Verification:

    By default, your American Express Merchant Account may not be enabled for card code verification. American Express Card Code, also known as Card Identification Digits (CID), is the four-digit code printed on the front of the card. Please note that the three-digit code on the back of an American Express card is not the CID used for card code verification. For more information about American Express CID, or to verify if your American Express Merchant Account is enabled to process CID, please contact your American Express representative or American Express Merchant Services.

    Note: By changing these settings, you accept any risk associated with processing international transactions as dictated by your Merchant Service Provider.

     



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