An option has been added to PrismWeb for the Shift4 Iframe to allow card verification and address verification at the time the order is placed on your website. Your store can manage options to verify as well as the level of verification in PrismWeb Manager.
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To use the card verification option you will need to choose the options for what type of verification you would like to use on your website. If using the AVS (Address Verification Service), you will need to also set the sensitivity level for the verification. To set these options, in PrismWeb Manager, navigate to Setup > Site Options > Payment Processors.
Setting Credit Card Verification Level
In the Card Verification section of the Payment Processors page, select from the drop down the level of verification for your website. The drop down options are:
Off – No card verification will be done at the time the order is placed
Verify Without AVS Check – The credit card will be checked to verify it is an active card. It will also verify the card number, expiration date, and security code are accurate.
Verify with AVS Check – The credit card will be checked to verify it is an active card. It will also verify the card number, expiration date, and security code are accurate. The name and address are also verified based on the AVS Sensitivity level selected.
Setting AVS Sensitivity Level
When the Card Verification option is set to Verify with AVS Check, the AVS Sensitivity section will need to be set. The default sensitivity level is Medium. If you would like to adjust this option, in the AVS Sensitivity section of the Payment Processors page, select the radial button next to the option you would like to use for your website. The options are:
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Processes and Error Messages
Card Verification Process
The credit card verification process creates a $0 transaction that immediately gets voided. During this process two things happen. First it is determined whether or not the bank will allow the transaction based on the card number, expiration date, and security code that the user entered. Second, if the bank allows the transaction, a security check is done to verify that the security code entered is correct. If you turn on AVS, a third step is added.
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Bank Approval Values and Their Description and Details
Value | Description | Details |
A | Approved | The transaction is approved. |
C | Approved | The transaction is approved without requiring additional authorization because it is less than or equal to a ceiling amount. (The ceiling amount is the original authorization amount multiplied by the tolerance per the merchant’s settings with Shift4 Payments.) |
D | Declined | The transaction is declined. |
e | Error | There is an error condition. |
f | AVS or CSC failure | An AVS or CSC failure has occurred (credit card only). |
P | Partial approval | A partial authorization has occurred. Check amount.total for the approved amount. |
R | Voice referral | The transaction requires a voice referral. |
STEP 2: Security Code Validation
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Security Code Validation Values and Their Description
Value | Description |
M | CSC matched. |
N | CSC did not match. |
P | CSC not processed. |
S | CSC should have been present. |
U | Issuer unable to process. |
STEP 3: Address Verification Service (AVS)
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AVS Values and Their Description
Value | Description |
A | Street address matches, but 5-digit and 9-digit postal code do not match. |
B | Street address matches, but postal code not verified. Returned only for non U.S.-issued Visa cards. |
C | Street address and postal code do not match. Returned only for non U.S.-issued Visa cards. |
D | Street address and postal code match. Returned only for non U.S.-issued Visa cards. |
E | AVS data is invalid or AVS is not allowed for this card type. |
F | Card member’s name does not match, but billing postal code matches. Returned only for the American Express card type. |
G | Non-U.S. issuing bank does not support AVS. |
H | Card member’s name does not match. Street address and postal code match. Returned only for the American Express card type. |
I | Address not verified. Returned only for non U.S.-issued Visa cards. |
J | Card member’s name, billing address, and postal code match. Shipping information verified and chargeback protection guaranteed through the Fraud Protection Program. Returned only if you are signed up to use AAV+ with the American Express Phoenix processor. |
K | Card member’s name matches but billing address and billing postal code do not match. Returned only for the following processors and card types: American Express Phoenix if you are signed up to use Enhanced AVS or AAV+, Paymentech New Hampshire for the American Express card type, Vital for the American Express card type. |
L | Card member’s name and billing postal code match, but billing address does not match. Returned only for the following processors and card types: American Express Phoenix if you are signed up to use Enhanced AVS or AAV+, Paymentech New Hampshire for the American Express card type, Vital for the American Express card type. |
M | Same as D. Street address and postal code match. Returned only for non U.S.-issued Visa cards. |
N | Street address and postal code do not match. or Card member’s name, street address and postal code do not match. Returned only for the American Express card type. |
O | Card member’s name and billing address match, but billing postal code does not match. Returned only for the following processors and card types: American Express Phoenix if you are signed up to use Enhanced AVS or AAV+, Paymentech New Hampshire for the American Express card type, Vital for the American Express card type. |
P | Postal code matches, but street address not verified. Returned only for non U.S.-issued Visa cards. |
Q | Card member’s name, billing address, and postal code match. Shipping information verified but chargeback protection not guaranteed (Standard program). Returned only if you are signed up to use AAV+ with the American Express Phoenix processor. |
R | System unavailable. |
S | U.S.-issuing bank does not support AVS. |
T | Card member’s name does not match, but street address matches. Returned only for the American Express card type. |
U | Address information unavailable. Returned if the U.S. bank does not support non-U.S. AVS or if the AVS in a U.S. bank is not functioning properly. |
V | Card member’s name, billing address, and billing postal code match. Returned only for the following processors and card types: American Express Phoenix if you are signed up to use Enhanced AVS or AAV+, Paymentech New Hampshire for the American Express card type, Vital for the American Express card type. |
W | Street address does not match, but 9-digit postal code matches. |
X | Street address and 9-digit postal code match. |
Y | Street address and 5-digit postal code match. |
Z | Street address does not match, but 5-digit postal code matches. |
Troubleshooting
This section is to document and inform about any issues that may be encountered with card verification and AVS.
Error Messages Shoppers May See
“Card verification failed (<Description from Step 1 Table>). Please try again or use a different form of payment.”
This error is a result of the transaction not getting approved by the bank. Check Step 1 table for a better idea of why it failed by looking up the message in the error’s parenthesis.
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“Card verification failed (<Value from Step 3 Table>). Please make sure the billing name, address, and zip code match what is listed in your card's bank.“
This error means the bank approved the transaction and security code validation passed but there was a problem with the user’s billing info (name, address, or zip). Use the letter in the error’s parenthesis to get more details of why it failed from Step 3 table.
Problems and Solutions
P. Payment Processor is Moneris and all transactions are getting declined, even cards that are known to be good.
S. Contact Moneris and make sure the setting “Status Enquiry” is enabled.
P. Stores using Shift4 and Elavon are getting declines on VISA transactions.
S. Go to Site Options>Payment Processors and make sure Security Code Exception is checked. This will allow the orders to be accepted on the web. If there is any issue with the CC info or CVV the transaction will be declined in Core when it is being processed.
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