A Card Verification Value ( CVV/ CV2 ) is a number found on your debit or credit card. On MasterCard and Visa cards, this is 3 digit number found at the back of your card. On American Express cards, this is a 4 digit number found at the front of your card.
User CVV number proves to merchants that you have the physical card with you and helps keep you safe. Most on-line shopping outlets require the use on the CV2 number during checkout.
Please note that CVV numbers are NOT your card’s secret PIN (Personal Identification Number). One should never use one in place of the other.
Check Process
CV2 Check is the card verification performed by the banks on the 3 (Visa/MasterCard) or 4-digit (Amex) code at the back of the card. Your account with us is set to require the CV2 number to be submitted for all new transactions but you may opt out of this requirement, if you are unable to obtain the CV2 number e.g. if you process mail order transactions.
Address Verification Service (AVS)
Originally developed for use with mail and catalog orders, AVS is now commonly used by e-tailers, and other card-not-present merchants, as a method to verify the validity of an order they receive.
AVS Check is the verification banks perform on the address. Not all banks are able to perform the check and not all addresses can be reliably verified and therefore the result of the AVS check should be accepted on advisory basis with further emphasis given to the 3-D Secure verification (available for e-commerce transactions) and the CV2 check.
AVS CV2 Check Results are provided as advisory only. Transactions are not failed based on the result unless specifically requested.
| Response | Description |
|---|---|
| ALL_MATCH | All data is correct |
| SECURITY_CODE_MATCH_ONLY | The CV2 check was successful, the address check was not |
| ADDRESS_MATCH_ONLY | The address check was successful, the CV2 check was not |
| NO_DATA_MATCHES | Neither the CV2 or address checks were successful |
| DATA_NOT_CHECKES | The card issuing bank was unable to perform the check |
