PayPal Permissions Service - 2013 Betriebsanweisung PDF herunterladen (Seite 81)

Fraud Protection Services User’s Guide 81

Fraud Filter Reference

High-risk Payment Filters

How does the filter protect me?

Buyers who can provide the street number and ZIP code on file with the issuing bank are more

likely to be the actual account holder.

AVS matches, however, are not a guarantee. Use card security code and Buyer

Authentication in addition to AV S to increase your certainty.

Card Security Code Failure Filter

What does the filter do?

The card security code is a 3- or 4-digit number (not part of the credit card number) that

appears on credit card. Because the card security code appears only on the card and not on

receipts or statements, the card security code provides some assurance that the physical card is

in the possession of the buyer.

IMPORTANT:The Card Security Code Failure filter performs the action after the

transaction is processed. This means that, if set to reject, the filter rejects the

transaction after the transaction is authorized by the processor. To charge the

customer for such a transaction, you must resubmit the transaction data.

About the Card Security Code

The card security code is printed on the back of most cards (usually in the signature field). All

or part of the card number appears before the card security code (567 in the example). For

American Express, the 4-digit number (1122 in the example) is printed on the front of the card,

above and to the right of the embossed account number. Be sure to explain this to your

customers.

The card security code check compares the number provided by the customer with the number

on file with the issuer and returns one of the following responses:

TABLE A.3 Card security code responses

Result Meaning

Y The submitted information matches information on file with account holder's bank.

N The submitted information does not match information on file with the account holder's

bank.

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PayPal Permissions Service - 2013 Betriebsanweisung Seite 81