Card Association Tools

Address Verification Service
Address Verification Service (AVS) is a risk management tool for merchant accounts accepting transactions when neither the card nor the cardholder are present, or when the card is present but its magnetic stripe cannot be read by a terminal at the point of sale. Provided by the major card associations, AVS helps reduce the risk of fraudulent transactions by verifying the cardholder's billing address on file at the card issuer. Merchants submit the AVS request through Chase Paymentech directly to the specific credit card association for address comparison.

Card Security Verification
Card security verification collects the non-embossed 3- or 4-digit numeric code on the credit card provided at the time of purchase. Statistics prove that individuals who possess the account number, but not the actual credit card, perpetrate much of the non-face-to-face fraud. Merchants that fully support card security verification can expect fewer fraudulent transactions reduced cardholder disputes, and improved customer satisfaction. Chase Paymentech routes the card verification request from the merchant directly to the specific credit card association. The card security value is then compared to the card issuer's value on file. Credit card verification programs are offered by the major card associations and are known as CVV2 (Visa), CVC2 (MasterCard), CID (American Express) and CID (Discover Card).