From April 1st,
2001 the major credit card companies will be introducing further
levels of security on card purchases; specifically those made
over the internet and by mail order. The checks relate to
obtaining two further pieces of information concerning the
card/cardholder and these are detailed below:
Card Security Code (CSC), Card Verification Value, CVV2
CSC is known by difference names with the different card
associations. CSC is known to Visa as the Card Verification
Code (CVV2); to MasterCard as the Card Validation Code (CVC2);
and finally to American Express as the Card Identification
Number (CID).
For Visa and Mastercard the Card Security code is a 3 digit
code printed on the signature strip on the back of the credit
card. The value does not appear on the front of the card.
The value will be the last 3 digits of the printed number
at the top of the signature strip. The number at the top of
the signature strip will in most cases be the full credit
card number followed by the card security code but in some
cases only the last 4 digits of the card number followed by
the card security code may be shown. For American Express,
the code is a four digit number on the front of the card above
the account number.
The card security code should be collected for customer not
present transactions and passed to the SoftEFT system for
verification. The card security code should only be stored
for the duration of the authorisation process.
Specifications are available for integration into SoftEFT
WinTI, SoftEFT BatchPro and ICP. Please contact us for further
details.
Address Verification System (AVS)
The AVS requires that the house number and the postcode is
collected for any customer not present transactions. The aim
of the system is to verify that the delivery address for goods
matches that of the billing address of the card holder. On
passing this information to SoftEFT, the bank response will
include an indicator of the match on the address details given.
This will be either complete match, partial match or no match,
it is then up to the supplier to determine whether to supply
goods based on this response.
Specifications are available for integration into SoftEFT
WinTI or SoftEFT BatchPro and ICP. Please contact us for further
details. |
