Authorizations with a Card Verification Number
This section shows you how to process an authorization with a Card Verification Number
(CVN).
CVN Results
The response includes a raw response code and a mapped response code:
- The raw response code is the value returned by the processor. This value is returned in theprocessorInformation.cardVerification.resultCodeRawfield. Use this value only for debugging purposes; do not use it to determine the card verification response.
- The mapped response code is the pre-defined value that corresponds to the raw response code. This value is returned in theprocessorInformation.cardVerification.resultCodefield.
Even when the CVN does not match the expected value, the issuing bank might still authorize the transaction. You will receive a CVN decline, but you can still capture the transaction because it has been authorized by the bank. However, you must review the order to ensure that it is legitimate.
Settling authorizations that fail the CVN check might have an impact on the fees charged by your bank. Contact your bank for details about how card verification management might affect your discount rate.
When a CVN decline is received for the authorization in a sale request, the capture request is not processed unless you set the
processingInformation.authorizationOptions.ignoreCvResult
field to true
.- CVN Results for American Express
- A value of1in theprocessorInformation.cardVerification.resultCodefield indicates that your account is not configured to use card verification. Contact customer support to have your account enabled for this feature.
- CVN Results for Discover
- When the CVN does not match, Discover refuses the card and the request is declined. The reply message does not include theprocessorInformation.cardVerification.resultCodefield, which indicates that the CVN failed.
- CVN Results for Visa and Mastercard
- A CVN code ofDorNcauses the request to be declined with a reason code value of230. You can still capture the transaction, but you must review the order to ensure that it is legitimate.Cybersource, not the issuer, assigns the CVN decline to the authorization. You can capture any authorization that has a valid authorization code from the issuer, even when the request receives a CVN decline.When the issuer does not authorize the transaction and the CVN does not match, the request is declined because the card is refused. You cannot capture the transaction.
Fields Specific to this Use Case
Include this field with a standard authorization request when processing an
authorization with a CVN:
- paymentInformation.card.securityCode
Endpoint
Production:
POST
https://api.cybersource.com
/pts/v2/paymentsTest:
POST
https://apitest.cybersource.com
/pts/v2/payments
Required Fields for Processing an Authorization with a Card Verification Number
Use these required fields for processing an authorization that includes a Card Verification Number (CVN).
IMPORTANT
When relaxed requirements for address data and the expiration date are being used, not all fields in this list are required. It is your responsibility to determine whether your account is enabled to use this feature and which fields are required. For details about relaxed requirements, see Relaxed Requirements for Address Data and Expiration Date in Payment Transactions.
Related Information
Optional Fields for Processing an Authorization with a Card Verification Number
You can use these optional fields to include additional information when processing an authorization with a card verification number.
REST Example: Processing an Authorization with a Card Verification Number
Request
{ "paymentInformation": { "card": { "number": "4111111111111111", "expirationMonth": "12", "expirationYear": "2031", "type": "001", "securityCode": "999" } }, "orderInformation": { "amountDetails": { "totalAmount": "49.95", "currency": "USD" }, "billTo": { "firstName": "John", "lastName": "Doe", "address1": "1295 Charleston Rd.", "locality": "Mountain View", "administrativeArea": "CA", "postalCode": "94043", "country": "US", "email": "[email protected]", "phoneNumber": "650-965-6000" } } }
Response to a Successful Request
{ "_links": { "authReversal": { "method": "POST", "href": "/pts/v2/payments/6554147587216874903954/reversals" }, "self": { "method": "GET", "href": "/pts/v2/payments/6554147587216874903954" }, "capture": { "method": "POST", "href": "/pts/v2/payments/6554147587216874903954/captures" } }, "clientReferenceInformation": { "code": "1655414758839" }, "id": "6554147587216874903954", "orderInformation": { "amountDetails": { "authorizedAmount": "49.95", "currency": "USD" } }, "paymentAccountInformation": { "card": { "type": "001" } }, "paymentInformation": { "tokenizedCard": { "type": "001" }, "card": { "type": "001" } }, "pointOfSaleInformation": { "terminalId": "111111" }, "processorInformation": { "approvalCode": "888888", "networkTransactionId": "123456789619999", "transactionId": "123456789619999", "responseCode": "100", "avs": { "code": "X", "codeRaw": "I1" } }, "reconciliationId": "67546603C43Z6JWN", "status": "AUTHORIZED", "submitTimeUtc": "2022-06-16T21:25:58Z" }