Question

Why are some of my customer credit cards refused/declined?

Answer

When Card Code is required, customers must be capable of providing the Card Code as well as the credit card number on the front of the card in order to successfully complete a transaction. The settings on this page indicate to the payment gateway when to accept or decline transactions based on the CCV response from the processor.

To change your Card Code rejection settings:

1. Login to your Merchant Interface at https://account.authorize.net
2. Click Settings in the main left side menu
3. Click Card Code Verification
4. Click the box next to each CCV condition upon which you would like to reject a transaction. (You may check more than one condition.)
5. Click Submit . A confirmation message indicates that your settings have been successfully applied

These are the values returned for Card code Verification:

N - Card Code value entered does not match card issuing bank's records
P - Card Code value not processed by the card issuing bank or payment processor
S - Card Code value should be on card but was not indicated. This is usually returned because the card code was not submitted for processing.
U - Card issuer is not certified and/or has not provided encryption key

Note : If you are using the Virtual Terminal or the payment gateway hosted Payment Form and want to use Card Code Verification, be sure that you have marked the Card Code field as viewable and editable in the Virtual Terminal and Payment Form settings.

To display the Card Code field in the Virtual Terminal:

1. Login to your Merchant Interface at https://account.authorize.net
2. Click on Settings in the main left side menu
3. Click on Virtual Terminal underthe Transaction Format Settings section
4. Check the boxes to display Card Code
5. Click Submit

Details

The Card Code Verification (CV2) aka CVV2 security feature provides an extra measure of security against fraudulent credit card transactions. The Card Code is a security code that is printed on a credit card's signature panel in reverse italics, or following the full card number on the front of the card.