2005

Virtual Terminal User Guide July 2005 17
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Using Virtual Terminal
Accessing Virtual Terminal
After you’ve been approved for Virtual Terminal, you can access Virtual Terminal at the
following location:
https://www.paypal.com/vt
If Virtual Terminal has been inactive for 10 minutes, you are automatically logged out. A
reminder appears after 5 minutes of inactivity. If you want to continue using Virtual Terminal,
click Yes.
How Virtual Terminal Enforces Your Security
When you process an order with Virtual Terminal, PayPal verifies the customer credit card and
billing address to ensure your payment by attempting to prevent credit card fraud. PayPal uses
two important mechanisms to verify the information: CVV and AVS.
Card Verification Value
CVV, or Card Verification Value, is an anti-fraud security feature to help verify that the person
using the credit card physically posseses the card. When you process an order in Virtual
Terminal, you enter the cards CVV:
z For Visa and MasterCard, the three-digit CVN is printed on the back of the card
immediately after the card’s account number.
z For American Express, the four-digit CVV is printed on the front of the card above the
card’s account number.
When you finish entering an order in Virtual Terminal, the CVV you entered is checked
behind the scene. Virtual Terminal displays a CVV response code to you. The code tells you
about the success of the CVV check. For details about what the codes mean, see “Card
Verification Value Responses” on page 21.
Address Verification System
AVS is the Address Verification System, used primarily in the U.S. and Canada, with some
limited use in other countries. AVS matches the number portions of the customer’s known
billing address on file at the cardholder’s issuing bank against the billing address you enter in
Virtual Terminal. If the information does not match, the transaction is declined.