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How will the Address Verification Service and Card Security Code help prevent credit card fraud?

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 legitimate.

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

AVS Results

Match The Street Address and ZIP Code entered match the address on file with the cardholder's financial institution.
Partial Match (ZIP match, Address no match) The ZIP Code matches but the Street Address does not match the information on file with the cardholder's financial institution. The payment will still be processed.
Partial Match (Address match, ZIP no match) The Street Address matches but the ZIP Code does not match the information on file with the cardholder's financial institution. The payment will still be processed.
No Match (Address and Zip) The Street Address and ZIP Code entered do not match the address on file with the cardholder's financial institution, but the payment will still be processed.
No Match (Address) The Street Address entered does not match the Street Address on file with the cardholder's financial institution, but the payment will still be processed.
No Match (Zip) The ZIP Code entered does not match the Zip Code on file with the cardholder's financial institution, but the payment will still be processed.
Not required Address verification is not required when you swipe a credit card. The magnetic stripe data proves that the card was physically present.
None Address checking is not supported by the cardholder's bank. Your transaction will still be processed.

CSC Results

Match The Card Security Code entered matches the code for this credit card.
No Match The Card Security Code entered does not match the code for this credit card.
Unavailable The CSC result was not available for this transaction.
KB ID# H_SVC_QBMS_F1_PREVENT_CC_FRAUD
12/3/2016 3:52:33 PM
QYPPRDQBKSWS05 9138 Pro 2017 4c7b73