The Enhanced CCV Handling Filter allows you to configure one of four actions to take on transactions that return CCV response codes. CCV is a tool designed by bankcard processors to assist in identifying potentially fraudulent credit card transactions. For every credit card authorization, CCV compares the three digit code on the card (four digit for American Express cards to the code on file at the card issuing bank. CCV then returns a response code indicating the results of the comparison.
CCV is a standard feature of the payment gateway and the Enhanced CCV Handling Filter extends the CCV functionality by enabling you to customize how to handle transactions that return CCV mismatch codes.
The filter status, Filter Enabled, Filter Disabled or Not Configured appears at the top of the page.
To enable the Enhanced CCV Handling Filter:
Step 1: Click the Enable Filter check box at the top of the page. Or, to disable the Enhanced CCV Handling Filter, make sure that the Enable Filter check box is deselected.
Step 2: For each CCV response code, select the radio button under the column that corresponds to the Filter Action you want the payment gateway to take.
Note: In the event that a transaction triggers more than one filter, and each filter is configured with a different action, the most severe filter action will be applied to the transaction. For example, you might configure filter A to decline all triggered transactions, and filter B to authorize but hold all triggered transactions. If a transaction triggers both filters A and B, it will be declined rather than authorized and held for review.
Step 3: Click Save to save your settings or click Cancel to cancel the action.
Your saved settings are applied immediately to all transactions screened by the Advanced Fraud Detection Suite.
IMPORTANT: To ensure that transactions are run through the Enhanced CCV Handling Filter, you must edit your payment form settings to set the Card Code field as a “Required” field. This is true regardless of whether you use Advanced Integration Method (AIM) or Server Integration Method (SIM) for connecting to the payment gateway.
To configure your payment form settings for CCV:
Step 1: Click Account from the main toolbar at the top of the page.
Step 2: Click Payment Form under the Transaction Format Settings section.
Step 3: Click Form Fields.
Step 4: Under the Customer Billing Information section, click to select the boxes in the Edit and Required columns for the Card Code field.
Note: When requiring fields, both the Edit and Required attributes must be configured.
Step 5: Click Submit. A confirmation message indicates that your settings have been successfully applied.
IMPORTANT: Your payment form settings are applied to your payment gateway account regardless of whether or not you use the hosted payment form.