Merchants that accept Discover Card as a payment option and have Risk Tools enabled should be aware that Discover handles and responds to CVV (known as CID for Discover Cardholders) information differently than MasterCard or Visa. With MasterCard or Visa, if the customer enters invalid CVV information the response code for no match will be returned through the payment gateway and then Risk Tools will use the rules you selected.
With Risk Tools enabled, the CVV field will appear on the Billing Information page in checkout. If a customer enters invalid CID information, even if the field was not required to submit the order, Discover returns a decline code through the payment gateway to your store. Risk Tool rules cannot be applied to declined authorizations. The customer will then need to correct the invalid CID information or choose another payment method to place the order.
If you accept Discover Card as a payment method you have a few options:
- Place a note on your checkout pages informing customers to enter CVV information carefully or choose another payment method if declined.
- Place a note on your checkout pages informing customers to not enter CVV information when using Discover Card and ensure that the CVV Required field is not selected in Risk Tools Settings. Note that this increases your chances of accepting a fraudulent transaction.
- Disable Risk Tools if you are more worried about declining authentic sales than accepting fraudulent ones.
Note: Discover Card handles AVS the same as MasterCard and Visa and Risk Tools rules can still apply to AVS response codes.
A Note about Terminology:
The major Credit Card companies each use different terminology for the card security number appearing on the front or back of their credit card.
- Visa - CVV2
- MasterCard - CVC2
- American Express/Discover - CID
Turbify uses the term CVV or Card Verification Value as a generic term to cover all credit card security number types. When a card-specific term is used, then it applies only to the credit card that uses the specific term.
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