Verification result

Solidgate returns the results of card scheme verification checks, which help you accept, flag, or decline transactions based on how well the supplied data matches the records held by the issuing bank.

• Address Verification Service (AVS) checks the cardholder’s billing address against the address on file.
• Card Verification Value (CVV2, also called “Card Verification Code” or CVC2) is a security code on the back of a card.
• Account Name Inquiry (ANI) checks the cardholder’s name against the name held by the issuing bank.

These checks provide fast and cost-effective fraud protection, especially for online transactions, and work best when combined with tools such as Guide
Configure 3D Secure verification flows to shift chargeback liability, comply with PSD2 regulations, and protect against card fraud. 3D Secure authentication.

AVS

Address Verification Service (AVS) is a security feature used by Visa, Mastercard, and other major card networks. AVS helps verify that a cardholder’s billing address matches the address on file with the card issuer. AVS is essential in reducing fraud for card-not-present (CNP) transactions, such as online or Mail Order/Telephone Order Guide
Process mail-order and telephone-order transactions where the physical card is not present, using manually collected payment credentials. (MOTO) payments.

When a customer pays for a transaction, you can collect their billing address details. Afterward, send this information with the API request so the payment processor can forward it to the card issuer during the authorization process. The card issuer checks the provided address (typically just the numerical parts of the street address and postal code zip_code) against the address associated with the card account. The issuer then returns an AVS response code avs_result indicating the level of match, which can help to decide whether to accept, decline, or flag the transaction for review.

You can trigger Guide
Analyze fraud metrics across transactions, review detection patterns, and build prevention strategies to minimize losses and liability. velocity rules if the AVS check results in a mismatch. Based on the AVS response, you can accept the payment, make an exception, or cancel the transaction.

While Visa and Mastercard both use AVS, they may have slightly different codes and processes, but the service operates similarly across both networks.

• Both Visa and Mastercard use response codes to indicate the result of the address check.
• Some issuers may vary in how they interpret AVS codes. Visa and Mastercard may handle edge cases differently, for example, in how they verify specific international addresses.
• Both networks emphasize using AVS as a component in their layered fraud-prevention strategies. Merchants can further protect transactions using AVS and other tools, such as CVV checks and 3D Secure (3DS).

Not all gateways, acquirers, and payment processors include AVS code results in their responses. Additionally, the AVS code values avs_result vary between providers that do provide this information. Solidgate processes and standardizes the AVS code results to simplify merchants’ workflows, mapping the provider’s original results into unified categories.

CVV

Card Verification Value (CVV2, sometimes called “Card Verification Code” or CVC2) is a crucial security feature for credit and debit cards. It protects against fraud in card-not-present (CNP) transactions, such as online payments. The CVV code is a three or four-digit number printed on a payment card to help prevent Guide
Analyze fraud metrics across transactions, review detection patterns, and build prevention strategies to minimize losses and liability. fraud.

During a transaction, the customer’s CVV code is checked against the value stored by the card issuer. This security check helps determine the legitimacy of the transaction and identify potential fraud risks. The CVV is typically located on the back of the card, except for American Express, which displays it on the front.

Solidgate standardizes CVV validation results from various providers, ensuring consistent categories and simplifying workflows for merchants, regardless of whether the original responses include or vary in CVV validation values.

These results are a valuable tool to:

• Assess transaction legitimacy: A matching CVV code card_cvv provides confidence that the customer has physical access to the card, reducing fraud risk.
• Identify fraud risks: Non-matching or unavailable CVV codes may indicate potential fraudulent activity.
• Improve decision-making: By understanding CVV code results, merchants can decide whether to approve, decline, or further investigate a transaction.

ANI

Account Name Inquiry (ANI) is a card verification service offered by Visa that verifies whether the cardholder’s name matches the name on the issuing bank’s records. It works independently of the financial transaction and helps reduce fraud in card-not-present (CNP) transactions.

To perform a check, send the cardholder’s first and last name together with the card details in a Guide
Validate and store customer card details without charging by using zero-amount authorization requests for future payment token creation. zero-amount authorization request. The card scheme forwards the inquiry to the issuing bank, which returns the overall check status and per-name match outcomes. Use these results alongside other risk signals to validate the cardholder and support Know Your Customer (KYC) processes.

ANI availability depends on issuer participation and varies by region and card type. It may not be performed for non-reloadable prepaid cards or certain commercial, business, and government cards where no cardholder name is on file. Solidgate standardizes responses from various providers into unified categories.

The ani status field indicates whether the name match check was performed against the issuer’s records.

When the check is performed, the response also returns match outcomes against the issuer’s records for the full cardholder name in ani full_name_match, the first name in ani first_name_match, and the last name in ani last_name_match.