Any time payment information is submitted on Checkout there will be several points of validation to ensure that the information will be accepted for processing a payment. Once the information is received by the card-issuing bank, an approval or decline response will be received and posted on your Transaction Report.
How does a Checkout transaction get validated?
- When Checkout receives a submitted request, Bambora’s system will scan the data and ensure that the required fields have information in them. This includes a full-length card number, expiry date, and CVD/CVV at minimum.
- You can also implement additional requirements in the Portal under Administration > Account Settings > Order Settings.
- After the first check is satisfied by Bambora, it is then forwarded to the card-issuing bank of the card specified in the submission.
- The bank will then assess the transaction by their own list of requirements and determine if the information matches their own records.
- The consumer (and your Transaction Report) will then be issued an approval or decline message depending on the results posted by the bank.
Good to know:
- While mistakes can happen with CVD or AVS checks, this does not necessarily mean the bank will automatically decline a transaction -- it only means that the chance of approval is less likely.
- Every card-issuing bank (and individual credit card) has their own set up regarding security checks and requirements for approval.
- If the card-issuing bank relays a general bank decline message, it is up to the cardholder/customer to contact their bank since Bambora and the merchant account holder cannot discuss private details to do with the customer’s account with them. We advise that you reattempt a transaction after the customer has consulted with their bank to determine if anything should be done differently.