Developer's Guide
Table Of Contents
- Contents
- Introduction
- Downloading, Installing, and Activating
- Simple Payflow Transaction
- Credit Card Transactions
- Credit Card Features
- About Credit Card Processing
- Parameters Used in Credit Card Transactions
- Submitting Sale Transactions
- Submitting Authorization/Delayed Capture Transactions
- When To Use Authorization/Delayed Capture Transactions
- Required Authorization Transaction Parameters
- Typical Authorization Transaction Parameter String
- Required Delayed Capture Transaction Parameters
- Delayed Capture Transaction: Capturing Transactions for Lower Amounts
- Delayed Capture Transaction: Capturing Transactions for Higher Amounts
- Delayed Capture Transaction: Error Handling and Retransmittal
- Submitting Account Verifications With TRXTYPE=A
- Submitting Voice Authorization Transactions
- Submitting Credit Transactions
- Submitting Void Transactions
- Submitting Inquiry Transactions
- Recharging to the Same Credit Card (Reference Transactions)
- Submitting Card-Present (SWIPE) Transactions
- Submitting Purchasing Card Transactions
- Using Address Verification Service
- Processing Platforms Supporting Address Verification Service
- Example Address Verification Service Request Parameter List
- Example Address Verification Service Response
- Card Security Code Validation
- Credit Card Testing
- Responses to Transaction Requests
- Processors Requiring Additional Transaction Parameters
- Performing TeleCheck Electronic Check Transactions
- Submitting Purchasing Card Level 2 and Level 3 Transactions
- About Purchasing Cards
- About Program Levels
- About American Express Purchasing Card Transactions - Phoenix Processor
- American Express Phoenix Purchasing Card Transaction Processing
- First Data Merchant Services (FDMS) Nashville Purchasing Card Transaction Processing
- First Data Merchant Services (FDMS) North Purchasing Card Transaction Processing
- First Data Merchant Services South (FDMS) Purchasing Card Transaction Processing
- Global Payments - Central Purchasing Card Transaction Processing
- Global Payments - East Purchasing Card Transaction Processing
- Merchant e-Solutions Purchasing Card Transaction Processing
- Elavon (Formerly Nova) Purchasing Card Transaction Processing
- Paymentech Salem (New Hampshire) Purchasing Card Transaction Processing
- Paymentech Tampa Level 2 Purchasing Card Transaction Processing
- TSYS Acquiring Solutions Purchasing Card Transaction Processing
- VERBOSITY: Viewing Processor- Specific Transaction Results
- Additional Reporting Parameters
- ISO Country Codes
- Codes Used by FDMS South Only
- XMLPay
- Additional Processor Information
- Index
Credit Card Transactions
Card Security Code Validation
46 Payflow Pro Developer’s Guide
Card Security Code Validation
The card security code is a 3- or 4-digit number (not part of the credit card number) that is
printed on the credit card. Because the card security code appears only on the card and not on
receipts or statements, the card security code provides some assurance that the physical card is
in the possession of the buyer.
This fraud prevention tool has various names, depending on the payment network. Visa calls it
CVV2 and MasterCard calls it CVC2. To ensure that your customers see a consistent name,
PayPal recommends use of the term card security code on all end-user materials.
IMPORTANT:To comply with credit card association regulations, do not store the CVV2
value.
On most cards, the card security code is printed on the back of the card (usually in the
signature field). All or part of the card number appears before the card security code (567 in
the example). For American Express, the 4-digit number (1122 in the example) is printed on
the front of the card, above and to the right of the embossed account number. Be sure to
explain this to your customers.
FIGURE 4.1 Card security code
Processing Platforms and Credit Cards Supporting Card Security Code
NOTE: You need to contact American Express to be set up to accept their CID card security
code.
TABLE 4.13 Processing platforms supporting card security code
Processing Platform
American
Express Discover Master Card Visa
American Express Phoenix X — — —
American Express Brighton X — — —
FDMS Nashville X X X X
FDMS North X X X X