The results for Address Verification Service (AVS) and Card Security Code (CSC) can help you prevent credit card fraud, so you should pay attention to these results, which are displayed on the Processed Payment Receipt.
How can I use AVS results?
Address verification helps merchants avoid credit card fraud and
chargebacks for transactions in which
the credit card is not physically present at the point of sale.
The results of the AVS check are for your information only. The credit card payment is processed even if the AVS check indicates a mismatch between the address information you entered and the cardholder's address information. However, if you suspect credit card fraud, you should void the transaction.
The results of the AVS check do not determine whether a credit card transaction is approved. Only ZIP code is required to complete the address verification check, but you can include street address for extra protection against fraud and chargebacks. For example, if a customer denies having made a particular credit card purchase, showing the credit card company that you collected the customer's street address may help prove that the charge was
What is Card Security Code (CSC)?
The Card Security Code is an important security feature for credit card transactions on the Internet, over the phone, or in any situation where the card is not present. This code will have 3 or 4 digits and will be in a different location depending on the card type. Requiring this code to be entered adds another layer of security to a transaction.
The CSC check makes sure that the number has the correct format and number of digits for the card type being used, and also compares the CSC to the card on record.
Will entering the Card Security Code lower my discount rate?
Requiring this code from your customer when the card is not present is a good security practice, but will have no effect on your discount rate for Visa and MasterCard. In most cases, the same is true for Discover and American Express cards. If you are being charged by Discover or American Express for not requiring the Card Security Code, you should contact them directly.
Why can't the Card Security Code be pre-filled?
The Card Security Code cannot be saved or pre-filled because this would violate Visa/MasterCard's PCI security regulations.
View a list of AVS and CSC results