CVV (Card Verification Value) is a system that matches the credit card number with a 3-digit security code that appears on the back of the credit card, American Express cards will have a 4 digit security code displayed on the front of the card. Requiring customers to enter this additional field provides an extra level of cardholder verification.

Note: Merchants who accept American Express as a payment method and wish to activate CID verification for their store must first contact their American Express account manager. Learn more.

When a customer enters the CVV number appearing on their credit card along with the credit card number, the system will check this number against the information from the issuing bank. CVV returns codes that match CVV Rules.

CVV Rules are based on the codes returned by the Card Verification Value (CVV). The codes used by CVV Rules and the default settings are outlined in Table 1:

CVV rules, codes and settings

Additional Codes

Detailed CVV Codes

Based on the codes returned for a particular credit card authorization, you can set the CVV Rules to automatically reject, flag, or accept orders. Flagged orders will appear flagged with a pending review status on the order pages. The CVV code information will also appear with the credit card information in the Payment section of the individual order screen.

CVV Rules serve as a means for merchants to assess the risk associated with a transaction and determine the appropriate course of action whether it is to process the transaction, follow up with the customer or issuing bank, or cancel the order.

Set CVV rules

1. Sign in to your My Services page.
2. Click the Store link.
   
3. Go to Risk Tools.
   
4. Go to Settings.
   
5. In the Order Minimum field, enter an amount at which you wish to apply AVS and CVV Rules:
   • Enter $0 if you wish to apply AVS and CVV Rules to all transactions.
   • Enter a specific dollar amount at which to apply AVS and CVV Rules.
   
6. In the CVV Rules section, select whether you wish to Reject, Flag, or Accept orders for the various rules based on the information entered by the customer or the system availability during checkout.
   
7. On the top-right or bottom-right, click the Update button.
   
8. Return to Store Manager and publish your Order Settings.
   

Note: You must have your online payment processing set to perform real-time authorizations in order to use AVS and CVV Rules to reject, flag, or accept orders based on response codes as part of Risk Tools. Without real-time authorization, Risk Tools cannot check the address and card verification value provided by customers during checkout. View instructions for enabling real-time authorization of orders.

Get detailed information about failed authorizations by utilizing the Failed Authorizations Report. Learn more.

Learn more about what you and your customers will see with Risk Tools enabled.

Note: Turbify provides Risk Tools to Store merchants for informational purposes only and does not represent or warrant that merchant use of Risk Tools will reduce or eliminate fraudulent or bad credit or debit card transactions initiated by their store customers.

Detailed CVV Codes 

Learn more about AVS and CVV Response Code Definitions.

See Also:

• AVS codes
• Set AVS rules
• Set a minimum order amount for AVS and CVV rules
• Make CVV a required field
• Risk Tools Overview
• Enable and disable Risk Tools
• Failed Authorizations Report
• View and sort risk statistics