Ecommerce Transaction Decline Rules

Use the Decline Orders with Mismatched CVD/AVS section to select the options to decline orders based a mismatch of CVD (Card Verification Digits) or AVS (Address Verification Service). CVD ensures that the card's three or four-digit CVC code matches with the 15 or 16-digit card number entered during checkout. AVS ensures the address entered for shipping matches with the card entered during checkout. An AVS failure means that the billing address entered does not match the address on file at the issuing bank e.g. the client's card was issued in Vancouver, but the customer enters a billing address in Toronto.

NOTE: For more information on AVS and CVD, refer to Card Verification with CVD and AVS.

You can select how the ecommerce system deals with CVD and/or AVS mismatches following the guidelines below:

●       To have the system decline a transaction when a CVD mismatch occurs, click the CVD drop-down menu and select Yes, Decline on mismatch.

●       To ignore CVD mismatches and allow transactions to approve, leave the CVD drop-down menu set to No (default).  

●       To have the system decline a transaction when a AVS mismatch occurs, click the AVS drop-down menu and select Yes, Decline on mismatch.

●       To ignore address mismatches and allow transactions to approve, leave the AVS drop-down menu set to No (default).  

NOTE: For more information on completing an order that came from your ecommerce website, refer to Completing Ecommerce Orders.

The rubric below explains when orders are declined or approved.

NOTE: The rubric below assumes that you use AVS where both Postal Code and Address match.

Related Topics

Completing Ecommerce Orders

Setting Ecommerce Options