AVS and CVV2

NETbilling Help

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To change CVV2 Settings:

Choose FRAUD CONTROLS, Click AVS/CVV2
Click the CONFIGURE button next to STEP 2: CVV2
By default, NETbilling sets CVV2 to UMP_, which means these responses will result in approved transactions:

M - CVV2 match.

P - CVV2 not processed.

U - No CVV2 data from issuer.

_ - No CVV2 data.

Other settings you can add or subtract are:

N - CVV2 does not match.

S - Card has CVV2, customer says it doesn't.
Change the settings to suit your needs.
Click Accept when you are done and the window will close.
If you want to make sure that CVV2 is always required, check the box labeled "Require CVV2 entry on payment form"
Go to Step 3 and click APPLY to confirm the changes.

AVS and CVV2

Menu Locations:

Fraud Controls >> AVS/CVV2

NETbilling supports both AVS (Address Verification System) and CVV2 (Card Verification Value) screening.

AVS is a standard credit card processing protocol to verify the name, address, and ZIP code of the credit card user.

CVV2 is a widely-used security feature supported by most credit cards. The CVV2 number is the last three digits after the credit card number located on the back of the card. Click here to see where the CVV2 is located on a credit card. By entering these extra digits when making an online purchase, you can significantly reduce fraud by being nearly positive that the user is actually holding the credit card at the time of the order. Both AVS and CVV2 settings are fully customizable in the NETbilling software.

When a transaction is approved by your bank network, but replies with an AVS or CVV2 code that you have not chosen to accept, the transaction will automatically be refunded.

Refunded AVS failures are marked BAD ADDRESS on the transaction list
Refunded CVV2 failures are marked BAD CVV2 on the transaction list

Note: Because AVS and CVV2 are performed after the authorization, funds may be held until batch settlement time.

Note If the transaction fails AVS or CVV2, the BAD ADDRESS or BAD CVV2 message will appear in the Virtual Terminal or Payment form so customers can correct the error. For more information about the types of issues that can cause a transaction to be stopped, see help on Authorization Messages

To change AVS Settings:

Choose FRAUD CONTOLS, Click AVS/CVV2
Click the CONFIGURE button next to STEP 1: AVS
By default, NETbilling sets AVS to XYFDMWZABP, which indicates that transactions where either the ZIP, Address, or both ZIP and Address match, the transaction will be approved. All other transactions will be voided.

Here is a list of all the possible settings for AVS on the system, which affect US Addresses and Zip codes:
XYFDM - Address and ZIP code match

WZ - ZIP code match, address is wrong

ABP - Address match, ZIP code is wrong

N - No match, address and ZIP code are wrong

U - No data from issuer/banknet switch

R - System unable to process

S - Address verification not supported

E - Error, AVS not supported for your business

? - Unrecognized (none of the above) response codes

_ - No AVS data

The system also supports certain responses for European addresses, generally in the UK and other parts of the European Union. More countries are compatible with this system each month. Here are the settings that can be configured for these countries:

C - (Intl) Invalid address and ZIP format

I - (Intl) Address not verifiable

O - (Intl) No response from bank

G - (Intl) Global non-verifiable address
Change the settings to suit your needs.
Select Accept when you are done and the window will close.
Go to Step 3 and Click APPLY to confirm the changes.