Authentication

Address verification service (AVS)

AVS contains consumer information sent within a verification or authorization request to the issuer.

• The issuer validates the billing information and provides a result code in the response. 
• You should interrogate the result code in the response to ensure the consumer information submitted is correct before proceeding with the payment. 
• Not all regions or issuers support this service.

Card verification value (CVV)

The CVV is the 3 or 4-digit value printed on the front or back of a payment card.

• The issuer validates this code, and then sends back the card security result code in the response. 
• You should interrogate the card verification result code to ensure it indicates that the submitted CVV is correct before proceeding with the payment.
• CVV is required for Canada eCommerce transactions.

3-D Secure (3DS)

The 3DS protocol allows issuers to directly authenticate cardholders prior to authorization and is required in some countries for e-commerce merchants.

• After a cardholder is authenticated, 3DS response fields are included in the authorization request. 
• You should interrogate the 3DS response field results to ensure the cardholder authentication is a match before proceeding with the payment.