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 theccAuthReply_cvCodeRawfield. 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 theccAuthReply_cvCodefield.
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 of1in theccAuthReply_cvCodefield 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 theccAuthReply_cvCodefield, which indicates that the CVN failed.
- CVN Results for Visa and Mastercard
- A CVN code ofDorNcauses the request to be declined with a reason code value of230. 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 totrue.
- merchantID
- merchantReferenceCode
- purchaseTotals_currency
- purchaseTotals_grandTotalAmount
Related Information
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