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Mandatory CVD

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Bambora
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CVD - New Payment Detail Required

Not impacted:

  • Recurring Billing
  • Wallet Transactions
  • Credit Card Batch Payments

If you are only using the stored card payment features listed above you are not impacted.

Impacted Users:

  • Payment Profiles (profile creation only)
  • Checkout
  • Custom Checkout
  • Web Terminal / Virtual Terminal
  • Payment APIs

Please continue reading for required steps to take.

Impact:

Any credit card transaction processed without the CVD after September 2018 will fail.


What is CVD?

The CVD/CVV is a 3-digit number on the back of a Visa or MasterCard, and a 4-digit number on the front of an Amex.

CVD/CVV codes cannot be obtained by fraudulently skimming data during the swipe process, as they are only found on the physical card. These numbers help verify that a customer is the valid owner of a card.

Why the update?

To address card-not-present fraud, Visa is requesting that all newly boarded merchants in Canada must capture the CVD and include it in the authorization request. Bambora is anticipating an industry-wide change soon, so we are requiring it for all card types not just Visa.

Steps to take?

I currently use Checkout

Bambora will enable this feature automatically. Once done, the CVD field will be added to the checkout form by default.

I currently use Custom Checkout

Pass the field name: cvv

Please note this is the only instance you use cvv and not cvd.

https://dev.na.bambora.com/docs/references/custom_checkout/ 

I currently use the Web/Virtual Terminal

In the web/virtual terminal, the user just needs to complete the CVD field.

If you have customized the web terminal, you’ll need to add the CVD field to the form:

  1. In the Online Member Area, from the menu, click configuration> terminal configuration.
  2. The terminal configuration page includes a list of fields.
  3. Mark the CVD field as required

I currently use the APIs

REST

Add CVD in the REST payment request:

RESTful Payment API URL: https://api.na.bambora.com/v1/payments

Property: request.card.cvd

https://dev.na.bambora.com/docs/references/payment_APIs/v1-0-4/

Query string API

Add the CVD field in the query string API.

Query string Payment API URL: https://api.na.bambora.com/scripts/process_transaction.asp

Parameter: trnCardCvd


FAQ

What happens when the CVD is a mismatch?

Bambora users have flexible risk management controls. You have the option to reverse a transaction when CVD and/or AVS fields are returned as a mismatch. This optional feature is configured in the Online Member Area under: administration> account settings> order settings

 

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