Monday, October 1, 2018

Test AVS or CVV/CVC for processing Merchant eSolutions transactions

Address Verification Testing

The card associations have developed Address Verification as a tool to assist a merchant in processing a transaction based on information submitted that is compared to the credit card billing address. In order to test the variety of possible responses, the table below can be used. Defined input values will result in responses as described:

Street Address

Zip Code

AVS Result Code

123

55555

Y – street and postal code match

123

999991111

Y – street and postal code match (Visa)

 

 

X – street and postal code match (MasterCard)

123

EH8 9ST

D - exact match, international

123

Other Zip

A - address match, zip mismatch

234

Any Zip

U - address unavailable

345

Any Zip

G - verification unavailable due to international issuer non-participation (Visa and MasterCard only)

456

Any Zip

R - issuer system unavailable, retry

Other Address

55555

Z - address mismatch, 5-digit zip match

Other Address

EH8 9ST

Z - address mismatch, international zip match

Other Address

999991111

Z- address mismatch, zip match (Visa)

 

 

W- address mismatch, zip match (MasterCard

Other Address

Other Zip

N - address and zip mismatch

CVV, CVC, CID Testing

This table tests CVV, CVC, and CID which is the 3 or 4 digit code printed on the back of a card. This security feature assists merchants processing in a Card Not Present environment and receiving a positive response ensures the likely hood that the cardholder making the purchase is in physical possession of the card. Visa, MC, and Discover encode a 3 digit value on the cards and American Express encodes either a 3 or 4 digit value. Defined input values results in responses as described:

CVV / CVC Value

Result Code

123

M-Match

234

P-Not Processed

345

U-Issuer is not certified

else

N-No Match

This table will test American Express CID:

Reference: http://173.255.215.12/download/attachments/1411006/MeS_Gateway_v4+10_Oct+2013.pdf?version=1&modificationDate=1383236729166

 

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