Developer's Guide

Credit Card Transactions
Submitting Purchasing Card Transactions
44 Payflow Pro Developer’s Guide
Submitting Purchasing Card Transactions
A purchasing card (also referred to as a commercial card, corporate card, procurement card or
business card) is a credit card that is issued at the request of an employer. It is usually reserved
for business-related charges. The card issuer provides specialized reporting for this card type
so the employer can monitor the use of the card. There is no method for determining whether a
card is a purchase card or a commercial card based on the card number.
To obtain the best bank interchange rates for commercial cards, you must pass specific
additional transaction information. Commercial card support and parameters vary from
processor to processor. See“Submitting Purchasing Card Level 2 and Level 3 Transactions” on
page 97.
NOTE: Purchasing card transactions are not supported by the PayPal processor.
Using Address Verification Service
To qualify for the lowest bank rate, you must pass address verification service information—
street address and ZIP (postal) code.
Address verification service compares the submitted billing street address and zip code with
the values on file at the cardholder’s bank. The response includes values for AVSADDR and
AVSZIP: Y, N, or X for the match status of the customer’s street address and zip code.
Y = match, N =nomatch, X = cardholder’s bank does not support address verification service.
The address verification service result is for advice only. Banks do not decline transactions
based on the address verification service result—the merchant makes the decision to approve
or decline a transaction. Address verification service is supported by most US banks and some
international banks.
NOTE: Address verification service checks only for a street number match, not a street name
match, so 123 Main Street returns the same response as 123 Elm Street.
The international address verification service (IAVS) response indicates whether address
verification service response is international (Y), USA (N), or cannot be determined (X).
Processing Platforms Supporting Address Verification Service
TABLE 4.12 Processing platforms supporting Address Verification Service
Processing Platform
American
Express Discover Master Card Visa
American Express Phoenix X — — —