AVS/CV2 Checking

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1.0 Gateway Integration →

1.1 Introduction

1.2 Terminology

1.3 Integration Methods

1.4 Integration Libraries

1.5 Security and Compliance

1.6 Prerequisites

1.7 Integration Details

1.8 Authentication

1.9 Supported Actions

2.0 New Transactions →

2.1 Request Fields

2.2 Response Fields

3.0 Management Requests →

3.1 Request Fields

3.2 Response Fields

4.0 AVS/CV2 Checking →

4.1 Background

4.2 Benefits and Limitations

4.3 Request Fields

4.4 Response Fields

5.0 3-D Secure Authentication →

5.1 Background

5.2 Benefits and Limitations

5.3 Hosted Implementation

5.4 Direct Implementation

5.5 Request Fields

5.6 Response Fields

5.7 Advanced Features

11 Receipts and Notifications →

11.1 Background

11.2 Customer Email Receipts

11.3 Request Fields

11.4 Response Fields

17 Advanced Data →

17.1 Customer Request Fields

17.2 Merchant Request Fields

17.3 Supplier Request Fields

17.4 Delivery Request Fields

17.5 Receiver Request Fields

17.6 Shipping Request Fields

17.7 Device Information Fields

 

19 Gateway Wallet → 

19.1 Background

19.2 Benefits and Limitation

19.3 Hosted

19.4 Direct Implentation

19.5 Request Fields

19.6 Response Fields

 

26 Digital Wallet Transactions →

26.1 Background

26.2 Benefits and Limitations

26.3 Configuration

26.4 Hosted Implementation

26.5 Direct Implementation

26.6 Request Fields

26.7 Response Fields

26.8 Digital Wallet Tokens

Appendix

A-1 Response Codes

A-1.1 Authorisation Response Codes

A-1.2 Gateway Response Codes

A-2 AVS / CV2 Check Response Codes

A-3 3-D Secure Enrolment/Authentication Codes

A-4 3-D Secure Enrolment/Authentication Only

A-9 Duplicate Transaction Checking

A-10 Capture Delay

A-11 Card Identification

A-12 Integration Testing

12.1 Test Amounts

12.2 Test Cards

12.3 3-D Secure Testing

 

A-13 Sample Signature Calculation

A-14 Transaction Life cycle

A-14.1 Authorise, Capture and Settlement

A-14.2 Transaction States

A-15 Transaction types

A-15.1 E-commerce (ECOM)

A-15.2 Mail Order/Telephone Order (MOTO)

A-15.3 Continuous Authority (CA)

 

A-16 Payment Tokenisation

A-16.1 PREAUTH, SALE, REFUND, VERIFY requests

A-16.2 REFUND_SALE requests

A-16.3 CANCEL or CAPTURE requests

A-16.4 QUERY requests

A-16.5 SALE or REFUND Referred Authorisation requests

 

A-18 PSD2 SCA Compliance

A-18.1 Obtaining Strong Customer Authentication

A-18.2 Exemptions to Strong Customer Authentication

A-18.3 SCA Using 3-D Secure

 

A-19 Hosted Payment Page Options

A-20 Integration Libraries

A-20.1 Gateway Integration Library

A-20.2 Hosted Payment Page Library

A-20.3 Hosted Payment Fields Library

 

A-21 Example HTTP Requests

A-21.1 Hosted Integration

A-21.2 Direct Integration

A-21.3 Batch Integration

 

A-22 Example Integration Code

A-22.1 Hosted Integration

A-22.2 Direct Integration

A-22.3 Batch Integration

 

A-23 Example Library Code

A-23.1 Gateway Integration Library

A-23.2 Hosted Payment Page Library

A-23.3 Hosted Payment Fields Library

4.o AVS/CV2 Checking

4.1 Background

AVS and CV2 fraud checking is available on all card transactions processed by the Gateway where supported by the Acquirer. 

These fraud prevention checks are performed by the Acquirer while authorising the transaction. You can choose how to act on the outcome of the check (or even to ignore them altogether). 

4.1.1 AVS Checking 

The Address Verification System (AVS) uses the address details that are provided by the Cardholder to verify that the address is registered to the card being used. The address and postcode are checked separately. 

4.1.2 CV2 Checking 

CV2, CVV, or Card Verification Value is a 3-digit or 4-digit security code. The check verifies that the code is the correct one for the card used. 

For most cards, the CVV is a 3-digit number to the right of the signature strip. For American Express cards, this is a 4-digit number printed, not embossed, on the front right of the card. 

The AVS/CV2 checking preferences can be configured per Merchant Account within the Merchant Management System (MMS). These preferences can be overridden per transaction by sending one of the preference fields documented in section 4.3 that hold a comma separated list of the check responses that should be allowed in order to continue to completion. Responses not in the list will result in the transaction being declined with a responseCode of 5 (AVS/CV2 DECLINED).

AVS/CV2 fraud checking is not available with all Acquirers and must be enabled on your Merchant Account before it can be used. Please contact support to find out whether your Acquirer supports it and if it can be enabled on your Merchant Account.

4.2 Benefits and Limitations

4.2.1 Benefits 

  • Can be enabled with just a few extra integration fields. 
  • The results are available immediately and returned as part of the transaction. 
  • The checks can be managed independently, allowing you the utmost control over how the results are used. 
  • The checks can be configured to decline a transaction automatically, where required. 
  • There are no extra costs for using AVS/CV2 checking with your transactions. 
  • Fully configurable within the Merchant Management System (MMS). 

4.2.2 Limitations 

  • The AVS checks are mainly supported by Visa, MasterCard and American Express in the USA, Canada and United Kingdom. Cardholders with a bank that does not support the checks might receive declines due to the lack of data. 
  • Because AVS only verifies the numeric portion of the address and postcode, certain anomalies such as apartment numbers and house names can cause false declines. 
  • The checks are meant for consumer cards. Company cards are not fully supported due to the Acquirers’ not having access to this information.

4.3 Request Fields

These fields should be sent in addition to basic request fields in section 2.1.

Field Name
customerAddress
Mandatory?
Yes 1
Description
For AVS checking, this must be a registered billing address for the card.
Field Name
customerPostCode
Mandatory?
Yes 2
Description
For AVS checking, this must be a registered postcode for the card.
Field Name
cardCVV
Mandatory?
Yes 3
Description
For CVV checking, this must be the Card Verification Value printed on the card.
Field Name
avscv2CheckRequired
Mandatory?
No 4
Description
Is AVS/CV2 checking required for this transaction?

Possible values are:

N – Checking is not required.
Y – Abort if checking is not enabled.

Field Name
cv2CheckPref
Mandatory?
No 4
Description
List of cv2Check response values that are to be accepted; any other value will cause the transaction to be declined. Refer to appendix A-2 for details. Value is a comma separated list containing one or more of the following: not known, not checked, matched, not matched, partially matched.
Field Name
addressCheckPref
Mandatory?
No 4
Description
List of addressCheck values that are to be accepted; any other value will cause the transaction to be declined. Refer to appendix A-2 for details. Value is a comma separated list containing one or more of the following: not known, not checked, matched, not matched, partially matched.
Field Name
postcodeCheckPref
Mandatory?
No 4
Description
List of postcodeCheck response values that are to be accepted; any other value will cause the transaction to be declined. Refer to appendix A-2 for details. Value is a comma separated list containing one or more of the following: not known, not checked, matched, not matched, partially matched.

1 Mandatory if AVS address checking is required.
2 Mandatory if AVS postcode checking is required.
3 Mandatory if CV2 checking is required.
4 Overrides any Merchant Account setting configured via the Merchant Management System (MMS).

4.4 Response Fields

These fields will be returned in addition to the AVS/CV2 request fields in section 4.3 and the basic response fields in section 2.2.

Field Name
avscv2CheckEnabled
Returned?
Always
Description
Is AVS/CV2 checking enabled for this Merchant Account?

Possible values are:

N – Merchant account is not enabled.
Y – Merchant account is enabled.

Field Name
avscv2ResponseCode
Returned?
If checks performed
Description
The result of the AVS/CV2 check. Refer to appendix A-2 for details.
Field Name
avscv2ResponseMessage
Returned?
If checks performed
Description
The message received from the Acquiring bank, or any error message with regards to the AVS/CV2 check. Refer to appendix A-2 for details.
Field Name
avscv2AuthEntity
Returned?
If checks performed
Description
Textual description of the AVS/CV2 authorising entity as described in appendix A-2. Possible values are: not known, merchant host, acquirer host, card scheme, issuer.
Field Name
cv2Check
Returned?
If checks performed
Description
Description of the AVS/CV2 check as described in appendix A-2. Possible values are: not known, not checked, matched, not matched, partially matched.
Field Name
addressCheck
Returned?
If checks performed
Description
Description of the AVS/CV2 address check as described in appendix A-2. Possible values are: not known, not checked, matched, not matched, partially matched.
Field Name
postcodeCheck
Returned?
If checks performed
Description
Description of the AVS/CV2 postcode check as described in appendix A-2. Possible values are: not known, not checked, matched, not matched, partially matched.

Integrated Payments - connecting your till to your terminal

Integrated payments - connecting your EPOS till to your card terminal - enables your business to process payments faster and increase your profits.

There are many benefits to an integrated solution for almost all business types, most importantly, the removal of human error, giving you accurate reporting from all tills and terminals.

At Swipen, we offer Integrated Payments free of charge and you can use our Pay at Table or Pay at Counter software, or both if it suits your business:

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Pay at Counter

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Discover which terminal type is best for your business

Portable

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E-Commerce Payment Solutions

With the arrival of Covid-19 into all our lives, online only payments are looking to have a bright future that’s here to stay.

At Swipen, we want to bust the myth that taking payments online is complicated, and help you
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Data processed by Swipen

150 currencies supported

Shopping carts

No long-term contract

Alternative payment methods, including: Alipay, Apple Pay, Google Pay, WeChatPay

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Virtual Terminal - Taking Payments over the Phone

Many businesses find it useful to take payments over the phone, whether you’re a travel agent
needing to take deposits, a mobile tradesperson, travelling salesperson, you have a call centre, or you don’t have a website to take payments online.

Swipen’s Virtual Terminal allows you to take card payments over the phone quickly and securely.

Our solution is a web portal that can be used on a desktop, tablet or mobile device.

Virtual Terminal Key Features

More secure than a card terminal - Completing the payment over the phone with full customer details reduces the risk of chargebacks or fraud.

Pay By Link - Send a payment link to complete the purchase or pay a balance. This is also a useful feature for customers who prefer to not give their details over the phone.

Capture Customer Details - The Virtual Terminal allows you to capture all the customer details you will need for your CRM or Booking Systems reducing the need for double inputting.

Control Permissions - Restrict user access to only certain functionality so you can control what your staff can process and see.

Take Payments anywhere - The Virtual Terminal is compatible to all devices and allows you to take payments from anywhere - office, home or on the move in a safe and secure way.

Ideal for call centres, travel agents, travelling salespeople, mobile tradespeople, restaurants for pre-bookings and parties, hotels for rooms and events, or any business that doesn’t have a website that customers can pay through.

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Web & App Solutions - Order and Pay-at-Table Platform

With COVID regulations in force across the country, restaurants and pubs are adjusting the way they work to reduce the spread of this virus.

Swipen are also adapting to these changing times, and working with our expert partners, we can now offer order and pay-at-table platforms, allowing you to benefit from cashless and cardless payment options.

Our solutions can be either Web or App based and we provide the choice between
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The best option for individual pubs and restaurants, small chains, or if location offers a different menu:

Use your own branding

At table QR code or WiFi login

Bespoke rates and fees

Links to your EPOS till *

*Depending on the EPOS company

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Ideal for larger chains where every location requires exactly the same functionality and offers the same menu:

Custom built to fit your business

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Links to both your till and kitchen

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Working with Pizza Hut

Swipen have helped create a bespoke value-for money solution for Pizza Hut, and we could do the same for you.

Get in contact to find out more.

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Tip Per Tap -Contactless Tipping System

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Swipen has the perfect solution: the new ‘Tip Per Tap’ Contactless Tipping System

Directly Integrated

A dedicated terminal is placed in a prominent location in your restaurant.

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How about a little Tip Per Tap

Read our blog all about our new Tip Per Tap Contactless Tipping System.

Get in contact to find out more.

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