Authorizations with Card Verification Numbers
Card verification numbers (CVNs) are a required feature for the authorization
service.
The CVN is printed on a payment card, and only the cardholder can access it. The CVN is
used in card-not-present transactions as a verification feature. Using the CVN helps
reduce the risk of fraud.
CVNs are not included in payment card track data and cannot be obtained from a card
swipe, tap, or dip.
CVNs must not be stored after authorization.
IMPORTANT
In Europe, Visa mandates that you not include a CVN for
mail-order transactions and not record a CVN on any physical format such as a
mail-order form.
Endpoint
Production:
POST
https://api.cybersource.com
/pts/v2/paymentsTest:
POST
https://apitest.cybersource.com
/pts/v2/paymentsCVN Locations and Terminology
For most cards, the CVN is a three-digit number printed on the back of the card, to the
right of the signature field.
For American Express,
the CVN is a four-digit number
printed on the front of the card above the card number.
Each payment card company has its own name for the CVN value:
- American Express and Discover call it theCard Identification Number(CID).
- JCB calls it theCard Authentication Value(CAV2).
- Mastercard calls it theCard Validation Code(CVC2).
- Visa calls it theCard Verification Value(CVV2).