Based on the rules you set, orders with invalid information can either be accepted, flagged, or rejected. Orders with valid information will process as they currently do with the addition that CVV information will appear on the individual order pages as well.
The following shows what your customers will see based on the rules you have set up, and whether the AVS/CVV information is valid or not.
Accept rule
- Customer enters - invalid AVS/CVV info
- Customer sees - standard checkout
- Merchant sees - AVS and CVV response codes showing invalid match
- Order marked - OK
Flag rule
- Customer enters - invalid AVS/CVV info
- Customer sees - standard checkout with no error message or attempts to correct
- Merchant sees - AVS and CVV response codes showing invalid match.
- Order marked - Pending Review – operates the same as OK (with the exception of merchants with auto-charge enabled) in that transaction fees apply and all post-order processing happens. Serves as an advisory to merchants.
Reject rule
- Customer enters - invalid AVS/CVV info
- Customer sees - error message with an opportunity to correct and resubmit the order
- Merchant sees - nothing
- Order marked - order isn't received
Valid information
- Customer enters - valid AVS/CVV info
- Customer sees - standard checkout
- Merchant sees - AVS and CVV response codes showing match
- Order marked - OK
While this outlines the typical process, it is important to note that Risk Tools rules are applied after AVS and CVV response codes are received from both the issuing bank and FDMS, and thus the issuing bank primarily controls how the transaction is processed. The issuing bank for the credit card entered determines which response code will be sent, not FDMS. As such, one issuing bank may send a decline response code while another may send an invalid response code. This can lead to certain orders being declined from certain issuing banks but as this happens before Risk Tools rules are applied, there is nothing you can do as a merchant except suggest another card type.
Discover Card does not follow the model outlined above. Read more about how Discover Card handles CVV information.
Learn about errors that your customers may see during checkout:
See Also:
