Authorizations with a Card Verification Number

This section shows you how to process an authorization with a Card Verification Number (CVN).

CVN Results

The response includes a raw response code and a mapped response code:
  • The raw response code is the value returned by the processor. This value is returned in the
    ccAuthReply_cvCodeRaw
    field. Use this value only for debugging purposes; do not use it to determine the card verification response.
  • The mapped response code is the pre-defined value that corresponds to the raw response code. This value is returned in the
    ccAuthReply_cvCode
    field.
Even when the CVN does not match the expected value, the issuing bank might still authorize the transaction. You will receive a CVN decline, but you can still capture the transaction because it has been authorized by the bank. However, you must review the order to ensure that it is legitimate.
Settling authorizations that fail the CVN check might have an impact on the fees charged by your bank. Contact your bank for details about how card verification management might affect your discount rate.
When a CVN decline is received for the authorization in a sale request, the capture request is not processed unless you set the
businessRules_ignoreCVResult
field to
true
.
CVN Results for American Express
A value of
1
in the
ccAuthReply_cvCode
field indicates that your account is not configured to use card verification. Contact customer support to have your account enabled for this feature.
CVN Results for Discover
When the CVN does not match, Discover refuses the card and the request is declined. The reply message does not include the
ccAuthReply_cvCode
field, which indicates that the CVN failed.
CVN Results for Visa and Mastercard
A CVN code of
D
or
N
causes the request to be declined with a reason code value of
230
. You can still capture the transaction, but you must review the order to ensure that it is legitimate.
Cybersource
, not the issuer, assigns the CVN decline to the authorization. You can capture any authorization that has a valid authorization code from the issuer, even when the request receives a CVN decline.
When the issuer does not authorize the transaction and the CVN does not match, the request is declined because the card is refused. You cannot capture the transaction.

Fields Specific to this Use Case

Include this field with a standard authorization request when processing an authorization with a CVN:
  • card_cvNumber

Endpoint

Set the
ccAuthService_run
field to
true
.
Send the request to
https://ics2ws.ic3.com/commerce/1.x/transactionProcessor
.

Required Fields for Processing an Authorization with a Card Verification Number

Use these required fields for processing an authorization that includes a Card Verification Number (CVN).
When relaxed requirements for address data and the expiration date are being used, not all fields in this list are required. It is your responsibility to determine whether your account is enabled to use this feature and which fields are required. For details about relaxed requirements, see Relaxed Requirements for Address Data and Expiration Date in Payment Transactions.
billTo_city
billTo_country
billTo_email
billTo_firstName
billTo_lastName
billTo_postalCode
billTo_state
billTo_street1
card_accountNumber
card_cvNumber
card_expirationMonth
card_expirationYear
ccAuthService_run
Set the value to
true
.
merchantID
merchantReferenceCode
purchaseTotals_currency
purchaseTotals_grandTotalAmount

Optional Fields for Processing an Authorization with a Card Verification Number

You can use these optional fields to include additional information when processing an authorization with a card verification number.
businessRules_ignoreCVResult
card_cvIndicator

Simple Order Example: Processing an Authorization with a Card Verification Number

Request
ccAuthService_run=true merchantID=Napa Valley Vacations merchantReferenceCode=482046C3A7E94F5 billTo_firstName=John billTo_lastName=Doe billTo_street1=1295 Charleston Rd. billTo_city=Mountain View billTo_state=CA billTo_postalCode=94043 billTo_country=US billTo_phoneNumber=650-965-6000 billTo_email=jdoe@example.com item_0_unitPrice=49.95 item_0_quantity=1 purchaseTotals_currency=USD card_expirationMonth=12 card_expirationYear=2031 card_accountNumber=4111111111111111 card_cvNumber=999 card_cardType=001
Response to a Successful Request
requestID=0305782650000167905080 decision=ACCEPT reasonCode=100 merchantReferenceCode=482046C3A7E94F5 purchaseTotals_currency=USD ccAuthReply_reconciliationID=ABCDE12345FGHIJ67890 ccAuthReply_cardCategory=F^ ccAuthReply_cardGroup=0 ccAuthReply_reasonCode=100 ccAuthReply_amount=49.95 ccAuthReply_authorizationCode=123456 ccAuthReply_avsCode=Y ccAuthReply_avsCodeRaw=YYY ccAuthReply_processorResponse=A ccAuthReply_paymentNetworkTransactionID=3312345