CVD - New Payment Detail Required
- Recurring Billing
- Wallet Transactions
- Credit Card Batch Payments
If you are only using the stored card payment features listed above you are not impacted.
- Payment Profiles (profile creation only)
- Custom Checkout
- Web Terminal / Virtual Terminal
- Payment APIs
Please continue reading for required steps to take.
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.
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:
- In the Online Member Area, from the menu, click configuration> terminal configuration.
- The terminal configuration page includes a list of fields.
- Mark the CVD field as required
I currently use the APIs
Add CVD in the REST payment request:
RESTful Payment API URL: https://api.na.bambora.com/v1/payments
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
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