Does anyone hold transactions if the AVS comes back as "no match?" Do you hold transactions if the CVV code doesn't match? It occurs to me that it's great to have these fraud controls but if we don't hold transactions then we are not really making use of it. I'm hesitant to hold transactions for AVS failure as that may cause a lot of held transactions.
Also I just found out that AVS is not checking the name on the account with the name of the purchaser. We had a charge back from someone whose card was used by someone that he didn't know. So the name on the Tessitura account did not match the name on the card. But the transaction went through anyway. Does it strike you strange that the names on the account are not checked? I've talked to Transcend, Vital Processing, and the bank and they confirm it.
So just wondering how you handle the AVS/Cvv failures. Thank you.
Gloria
Do you use Transcend? In the Fraud configuration you can turn off the holding functionality for AVS based on different parameters (address didn’t match, zip wrong, etc.). We’ve been thinking of using zip only and put that on the payment page with messaging like “Zip for Credit Card Account.”
From: Tessitura Technical Forum [mailto:forums-technical@tessituranetwork.com] On Behalf Of Bill Waugh Sent: Tuesday, January 21, 2014 10:56 AM To: Gloria Ormsby Subject: Re: [Tessitura Technical Forum] AVS - Do you hold transactions?
I'm curious as to what you mean by "hold" transactions? We have been back and forth on the AVS issue online. We'd really like to use AVS verification, but because it's not possible to specify Billing Address and separate Shipping address online we get quite a few AVS mismatches for customers who use their personal card, but the address on their account is their business address. AVS mismatches always result in funds held on the customers account for some period of time - which makes them really angry.
From: Gloria Ormsby <bounce-gloriaormsby5026@tessituranetwork.com> Sent: 1/17/2014 11:04:11 AM
I want to open this old post up for feedback. What is you process regarding AVS? Do you hold transactions if it fails? Is anyone using the zip only match?
This message was sent automatically to you by www.tessituranetwork.com because you subscribed to the Tessitura Technical Forum. You may reply to this message to post to the Technical forum or visit the site to search, read and post to the forums. In the interest of keeping the forum posts from becoming cluttered, we encourage you to delete previous message text from your reply before sending. Thank you!