Who uses AVS? (WAS: Re: [ic] Writing a new payment module - please help!)

[Interchange user]

David,

Ah! Now I see. Thank you very much for clearing this up for me.

Just wondering whether it would be best to immediately reverse-authorize all 
orders that fail the AVS checks, through tests in the payment module, to 
automate the ordering process as much as possible.

How many people here make use of AVS, and what works best for you?



> > > DATA MATCHED - passed all checks
> > > SEC CODE MATCH - security code valid, but address invalid
> > > ADDRESS MATCH ONLY - address valid, but security code invalid
> > > DATA NOT MATCHED - both security code and address invalid
> > > DATA NOT CHECKED
>
> Need to look at their API for definition of "security code", it could be
> ccv2, and the address refers to (zip && street address || zip only ||
> street address only)
>
> > > What is the point in checking this response *after* a transaction has
> > > been authorized? Settlements occur automatically on the same day.
> > > I would have thought the messages above would only be returned
> > > upon a failed transaction.
>
> You can response to avoid lose. Say, the transaction is authorized, but no
> avs or other equivelent checking such security code are not verified. Then,
> you can do an void and prevent it from being settled, or later, you can
> credit it back if it's settled. This gives you a way to reduce loss. If
> your transaction is from a stolend credit card, it'll be charged back
> sooner or later, by then, you'll not only loss the merchandise shipped, but
> also a charged back fee, typically $25 or $30.
>
> So, you should make judge yourself whether to take those transactions whose
> avs or other security checking are not verified.
>
> > > What does Interchange do with the three avs values, and why should they
> > > be returned upon a *successful* transaction?
> > >
> > > I'm very confused!
>
> Banks will execute the transaction despite of an unverified avs. It's yours
> responsibility to use the security checking. Banks will take the money back
> later wihtout asking you if their customer files a charge back request.
>
>
> David
> dzhang@msihosting.com
> http://www.msihosting.com
> Expert -- ecommerce solutions, interchange hosting