2009

Table Of Contents
Fraud Protection Services User’s Guide 89
Fraud Filter Reference
High-risk Payment Filters
E
Once you deploy the filters to Live mode (either Observe or Active), the AVS and card
security code checks that you may have previously set on the Payflow Link Configuration
page are replaced by the AVS and card security code filter settings. In Observe mode, no
action is taken on AVS and card security code. To take action if you are confident of your filter
settings, deploy to Active mode.
How does the filter protect me?
Buyers who can provide the street number and ZIP code on file with the issuing bank are more
likely to be the actual account holder.
AVS matches, however, are not a guarantee. Use card security code and Buyer
Authentication in addition to AV S to increase your certainty.
Card Security Code Failure Filter
What does the filter do?
The card security code is a 3- or 4-digit number (not part of the credit card number) that
appears on 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.
IMPORTANT: The Card Security Code Failure filter performs the action after the
transaction is processed. This means that, if set to reject, the filter rejects the
transaction after the transaction is authorized by the processor. To charge the
customer for such a transaction, you must resubmit the transaction data.
About the Card Security Code
The card security code is printed on the back of most cards (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.