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The Card Associations require you to be compliant with the Payment Card Industry Data Security Standards (PCI-DSS). PCI is designed to protect businesses and their customers from credit card theft and fraud. All businesses or service providers that store, process, or transmit payment card data are required to comply with the data standard — regardless of business size or the amount of annual payment card transactions.
Merchants are required to validate their PCI compliance on an annual basis at a minimum. This includes resubmitting your SAQ and passing the required scans. For additional details about these security programs please visit:
AVS response codes
Address Verification Service (AVS) is a service provided by the payment brands that determines the match or partial match of the consumer's address information. The responses are returned to you during the authorization process via your transaction processing software/hardware, and can help determine your next action — approval, exception or decline.
|Y||Address & 5-digit or 9-digit ZIP match||Address & 5-digit ZIP match||Address only matches|
|A||Address matches, ZIP does not||Address matches, ZIP does not||Address & 5-digit ZIP match|
|S||AVS not supported||AVS not supported||AVS not supported|
|R||System unavailable, retry||Not applicable||System unavailable, retry|
|U||Information not available||System unavailable, retry||Information not available|
|Z||Either 5-digit or 9-digit ZIP match, address does not||5-digit ZIP matches, address does not||5-digit ZIP matches, address does not|
|N||Neither ZIP nor address match||Neither ZIP nor address match||Neither ZIP nor address match|
|W||Not applicable||For U.S., 9-digit ZIP matches, address does not. For non-U.S., ZIP matches, address does not||Information not available|
|X||Not applicable||For U.S., all digits match. For non-U.S., ZIP and address match.||Address & 9-digit ZIP match|
|B||Address matches, ZIP not verified||Not applicable||Not applicable|
|T||Not applicable||Not applicable||9-digit ZIP matches, address does not|
|P||ZIP matches, address not verified||Not applicable||Not applicable|
|C||Address and ZIP not verified||Not applicable||Not applicable|
|D||Address & ZIP match (International only)||Not applicable||Not applicable|
|G||Address not verified for International transaction (International only)||Not applicable||Not applicable|
|I||Address not verified (International only)||Not applicable||Not applicable|
|M||Address & ZIP match (International only)||Not applicable||Not applicable|
|F||Address & ZIP match (UK only)||Not applicable||Not applicable|
The CVV Number ("Card Verification Value") on your credit card or debit card is a 3-digit number on VISA®, Mastercard® and Discover® branded credit and debit cards. On your American Express® branded credit or debit card it is a 4-digit numeric code.
Your CVV number can be located by looking on your credit or debit card.
Providing your CVV number to an online merchant proves that you actually have the physical credit or debit card — and helps to keep you safe while reducing fraud.
CVV numbers are also known as CSC numbers ("Card Security Code"), as well as CVV2 numbers, which are the same as CVV numbers, except that they have been generated by a 2nd generation process that makes them harder to "guess."
The CVV provided matches the information on file with the cardholder’s financial institution.
The CVV provided does not match the information on file with the cardholder’s financial institution.
The card-issuing financial institution received the CVV but did not verify whether it was correct. This typically happens if the processor declines an authorization before the financial institution evaluates the CVV.
No CVV was provided.
The CVV was provided but this type of transaction does not support card verification.
The CVV was provided but the card-issuing financial institution does not participate in card verification.
CVV checks were skipped for this transaction.
Section 6050W of the IRS Code requires reporting of payment card and third party network transactions to the IRS for all merchants. All reporting entities such as TransFund are required to file an annual information return with the IRS and provide each merchant with a Form 1099-K, reporting monthly and annual gross sales.
Merchants must provide their payment processor with the full legal name of their businesses, their addresses, and their taxpayer identification numbers so financial institutions can report credit card and debit card receipts. For most businesses, the taxpayer identification number would be their employer identification number or EIN. Payment processors might ask businesses to provide them with Forms W-9 so they can obtain this information.
Section 6050W also requires card payment service providers to begin backup withholding at a rate of 28 percent if (a) the merchant fails to provide their Tax Identification Number (TIN) to the reporting entity, or (b) the IRS notifies the reporting entity that the TIN (when matched with the name) is incorrect.
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