2009

Fraud Filter Reference
High-risk Payment Filters
E
90 Fraud Protection Services User’s Guide
The card security code check compares the number provided by the customer with the number
on file with the issuer and returns one of the following responses:
Card Security Code Failure Filter Action
The specified action is taken whenever the card security code response is the value that you
specified.
The Best Practices action is to review all transactions with responses other than Y. You set the
“strength” of the filter as follows:
z Full: Take action if a value of N or X is returned.
z Medium: Take action only if a value of N is returned.
NOTE: 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
Processors and Credit Cards that Support Card Security Code
Card security code validation is supported as listed in the table below. Card security code
appears on the Edit Configuration page only if the server is certified with your processor
Even though your processor may be certified for card security code, they may not be certified
for all card types. The list will change as the service offering is enhanced.
NOTE: To enforce the minimum Visa regulations, set the filter to Medium strength with an
action of Reject. This setting rejects N responses, however, so there is no liability
benefit.
TABLE E.4 Card security code responses
Result Meaning
Y The submitted information matches information on file with account holder's bank.
N The submitted information does not match information on file with the account holder's
bank.
X Account holder's bank does not support this service.
(Null) In some cases banks return no value at all.