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Warning and caution alerts are reported in the Merchant Interface, the HTML Payment Response (Callback) and in the email we send you (if this has been set).
For details of interpreting the results, refer to Warning and caution alerts in the Risk Results section.
For screenshots, refer to Where risk results are displayed.
The Address Verification Service (AVS), American Express Advanced Verification (AAV) and Security Code Verification or Card Verification Value (CVC/CVV) are checks available via the card issuers. They provide a mechanism for performing checks on the identity of the shopper by comparing information entered by the shopper during the payment process with details held by the card issuer.
AVS enables elements of the billing address and postcode, entered by the shopper, to be compared against the card issuer's records during the payment process.
AAV is a service set up by American Express, for American Express card transactions. It enables the cardholder name, the telephone number, and the email address entered by the shopper to be compared against the equivalent records held by American Express.
CVC/CVV is a 3- or 4-digit value printed on the card (for example, on a signature strip), but not encoded on the magnetic stripe, and enables the security code entered by the shopper to be compared against the card issuer's records during the payment process. The number is generated when the card is issued, by encrypting the card number and expiration date under a key known only to the issuing bank. Supplying this code in a transaction is intended to verify that the customer has the card in their physical possession.
Our Risk Management service sends the results for each transaction. The results are displayed in the Merchant Interface, and the AVS and CVC/CVV results are also displayed in the HTML Payment Response (Callback) and in the email we send you (if this has been set).
For details of interpreting the results, refer to AVS and CVC/CVV Results in the Risk Results section of this guide.
For screen shots, refer to Where risk results are displayed.
Cardholder authentication is where the shopper enters a password to confirm their identity directly with their card issuer. It is provided by Verified by Visa, MasterCard SecureCode for MasterCard and Maestro, and American Express SafeKey.
Cardholder authentication provides you with added protection from online fraud, enabling you to ensure that the cardholder making the transaction is genuine and that they have successfully authenticated their identity with their card issuer.
Results are fed into the Risk Management service and are also displayed for each transaction in the Merchant Interface, the HTML Payment Response (Callback) and in the email we send you (if this has been set).
An authenticated transaction where the shopper does not successfully authenticate will not be sent for authorisation.
For details about authentication and interpreting the results, refer to the Cardholder Authentication Guide.
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