Enhanced Card Verification
Overview
Jupico's Enhanced Card Verification removes the complexity of creating logic for every AVS / CVV scenario. Based on the grids below, our logic determines whether a transaction should proceed or be declined. This feature is optional and can be enabled or disabled at the merchant level. If not enabled, processor responses are passed to you for decisioning.
How Enhanced Card Verification Works
Our Enhanced Card Verification system streamlines security checks like AVS and CVV, allowing providers to automate decisions based on processor feedback.
- AVS (Address Verification System): Compares the billing address provided by the customer with the one on file with the card issuer.
- CVV (Card Verification Value): Verifies the card security code to ensure the person making the transaction possesses the card.
AVS
The Address Verification System (AVS) is a security feature that verifies billing address details provided during a transaction against those stored by the card issuer. Below is a table of AVS codes and their associated actions.
| AVS Code | Description | Processor Response | Jupico Action |
|---|---|---|---|
| A | Street address matches, but postal code does not match. | address_number = pass, postal_code = fail | decline |
| B | Street address matches, postal code not verified (non-U.S. Visa cards). | address_number = pass,postal_code = unknown | pass |
| C | Neither street address nor postal code match (non-U.S. Visa cards). | address_number = fail, postal_code = fail | decline |
| D & M | Both street address and postal code match (non-U.S. Visa cards). | address_number = pass, postal_code = pass | pass |
| E | AVS data invalid or not allowed for this card type. | address_number = fail, postal_code = fail | decline |
| F | Postal code matches, but cardholder name does not match (Amex only). | card_name = fail,postal_code = pass | pass |
| G | Non-U.S. issuing bank does not support AVS. | non-supported | decline |
| H | Street address and postal code match, cardholder name does not (Amex only). | card_name = fail,address_number = pass, postal_code = pass | pass |
| I | Address not verified (non-U.S. Visa cards). | address_number = unknown, postal_code = unknown | decline |
| K | Cardholder name matches, but address and postal code do not match (Amex). | card_name = pass,address_number = fail, postal_code = fail | decline |
| L | Cardholder name and postal code match, but address does not match (Amex). | card_name = pass,address_number = fail, postal_code = pass | pass |
| M | Both street address and postal code match. | address_number = pass, postal_code = pass | pass |
| N | Neither street address nor postal code match. | address_number = fail, postal_code = fail | decline |
| O | Cardholder name and address match, but postal code does not match (Amex). | card_name = pass,address_number = pass, postal_code = fail | decline |
| P | Postal code matches, but street address not verified (non-U.S. Visa). | address_number = unknown, postal_code = pass | pass |
| R | System unavailable. | address_number = unknown, postal_code = unknown | pass |
| S | U.S.-issuing bank does not support AVS. | non-supported | pass |
| T | Cardholder name does not match, but address matches (Amex only). | card_name = fail,address_number = pass, postal_code = unknown | pass |
| U | Address information unavailable (e.g., AVS not functioning). | address_number = unknown, postal_code = unknown | pass |
| V | Cardholder name, address, and postal code match (Amex only). | card_name = pass,address_number = pass, postal_code = pass | pass |
| W | Street address does not match, but 9-digit postal code matches. | address_number = fail, postal_code = pass | pass |
| X | Street address and 9-digit postal code match. | address_number = pass, postal_code = pass | pass |
| Y | Street address and 5-digit postal code match. | address_number = pass, postal_code = pass | pass |
| Z | Street address does not match, but 5-digit postal code matches. | address_number = fail, postal_code = pass | pass |
| 1 | AVS not supported for this processor or card type. | non-supported | pass |
| 2 | Unrecognized value for AVS response. | address_number = unknown, postal_code = unknown | pass |
CVV
The Card Verification Value (CVV) is a security code used in card-not-present transactions. Below is a table of CVV codes and their actions.
| CVV Code | Description | Processor Response | Jupico Action |
|---|---|---|---|
| D | Transaction flagged as suspicious by issuing bank. | CVV_number = suspicious | decline |
| I | Card verification number failed validation. | CVV_number = failed | decline |
| M | Card verification number matched. | CVV_number = pass | pass |
| N | Card verification number did not match. | CVV_number = failed | decline |
| P | Card verification number not processed by processor. | CVV_number = unknown | decline |
| S | Card verification number not included in the request. | CVV_number = not provided | decline |
| U | Card verification not supported by issuing bank. | CVV_number = not supported | decline |
| X | Card verification not supported by card association. | CVV_number = not supported | decline |
| 1 | CVV not supported for processor or card type. | CVV_number = not supported | decline |
| 2 | Unrecognized result code for card verification. | CVV_number = unknown | decline |
| 3 | No result code returned by processor. | CVV_number = unknown | decline |