QuantumGateway - Address Verification Service (AVS)

While some electronic payment gateways off a few options in the AVS technique, the QuantumGateway takes it further.  In the Virtual Terminal, you can choose various ways to accept the credit card.  The QuantumGateway will convert the transaction to a sale if it passes the choices you choose, otherwise the transaction is only authorized, allowing you to scrub the transaction more.  Once you have verified the transaction, the Virtual Terminal will allow you to complete the transaction.

Some electronic payment gateways require the merchant to parse the response from the gateway, and even then, it will only tell you if the street number of the address and the ZIP code matches.  The QuantumGateway makes it much easier for the merchant to vet the transaction.  You can use the options to help to reduce fraud and chargebacks.

AVS Settings

  • Address and ZIP code match
  • Address matches, ZIP code does not match
  • AVS not supported at this time
  • Retry, system unable to process
  • Unknown Response
  • Either 5-digit or 9-digit ZIP code matches, but address does not
  • Address and ZIP code does not match
  • Address not verified for International Transaction (International & Visa transactions only)
  • Address and ZIP code match (International and Visa transactions only)
  • Address matches, ZIP not verified (Visa transactions only)
  • ZIP matches, address not verified (Visa transactions only)
  • Address and ZIP code not verified due to incompatible formats (Visa transactions only)
  • Address and ZIP code match (International & Visa transactions only)
  • Address not verified (International & Visa transactions only)
  • 9-digit ZIP code matches, but address does not (Discover only)

CCV2 / CVC2 / CAV2 / CID Settings

Along with the AVS settings above, the merchant can also customize the CCV2 / CVC2 / CAV2 / CID settings in the Virtual Terminal.  The CCV2 / CVC2 / CAV2 / CID was the second line of the scrubbing technique, since merchants are prohibited from storing this number in their databases.  However, these days, this number is not as secure as it once was, and should be used in conjunction with other vetting procedures offered by the QuantumGateway.

  • M - Card Verification Value matches
  • N - Card Verification does not match
  • P - Not Processed
  • S - Card should have a Card Verification Value, Merchant indicated value is not present
  • U - Issuer not Certified
  • Unknown CVV2 Response (CVV2 not available)

The two options should be your first line of defense in helping to prevent fraud.  However, they should not be solely relied on.  Consumers can mis-type, and one digit off can cause that part of the process to fail.