Configuring Vantiv's CVV Response Codes
Use the PaymentProcessCVV system option to choose if the CVV code is required or optional for credit card purchases.
Vantiv provides a response code for a credit card CVV number when a credit card authorization is attempted. Depending on the CVV response code, netFORUM determines if the CVV is a valid match. If the match is not valid, then netFORUM voids the authorization.
Vantiv provides five codes, and by default, netFORUM identifies two of those codes, M and N. You can use the CVVMatchResponseCodes Merchant Account Code to configure what netFORUM does in response to the three CVV response codes that are undefined.
This topic describes the five codes and how to configure netFORUM to respond to the three undefined codes according to your organization's business rules.
Caution! Vantiv returns these codes even if the credit card number is invalid. In that case, the CVV response code is irrelevant.
| Response Code | Description | netFORUM's Response |
|---|---|---|
| M | Match. The CVV entered was a valid match for the credit card’s account. | successful authorization |
| N | No Match. A CVV code was collected and sent to the gateway, but that the CVV code did not match. | declined authorization |
| P | Not Processed. Most commonly this occurs when the CVV is not passed with the authorization. | configurable |
| S | Should be present. The security code should be present but the cardholder has reported that it is not. | configurable |
| U | Not Supported. This Verification service is unavailable or issuer does not support this service. | configurable |
Configuring the CVVMatchResponseCodes Setting
- Go to the Merchant Account Profile.
One way to get there is to go to Modules > Accounting> Overview > Accounting Setup > Payment Gateways > go to arrow beside the Gateway > Payment Gateway Profile > Merchant Accounts child form > go to arrow beside the Merchant Account > Merchant Account Profile. - Click the add or edit icon beside the code CVVMatchResponseCodes.
- Decide how strict or lenient you want to make your settings:
- strict: allow only M Response Codes
- balanced: allow M, U, and S Response Codes
- lenient: allow all Response Codes except N
- In the value field, enter each of the Response Codes that you want to allow. Make sure each code is uppercase and multiple codes are separated by semicolons.
Example: Your entered values might look like this: P;S;U