PayPal Gateway - 2013 Podręcznik Użytkownika Pobierz pdf (Strona 83)

Gateway Developer Guide and Reference 07 February 2013 83

Submitting Credit Card Transactions

Using Card Security Code

In this example response, the address value matches the value in the bank’s records, but the

zip code does not. The AVSZIP response is N.

RESULT=0&PNREF=VXW412345678&RESPMSG=APPROVED&AUTHCODE=123456&AVSADDR=Y&AVSZ

IP=N&IAVS=X

Using Card Security Code

The card security code is a 3- or 4-digit number (not part of the credit card number) that is

printed on the credit card. Because the card security code appears only on the card and not on

receipts or statements, the code provides some assurance that the physical card is in the

buyer’s possession.

This fraud prevention tool has various names, depending on the payment network. Visa calls it

CVV2, MasterCard calls it CVC2 while American Express and Discover call it CID. To make

sure that your customers see a consistent name, PayPal recommends use of the term card

security code on all end-user materials.

On most cards (Diners Club, Discover, Mastercard and Visa) the card security code is a 3-digit

number printed on the back of the card (usually in the signature field). All or part of the card

number appears before the card security code (567 in the example). American Express prints a

4-digit number (1122 in the example) on the front of the card, above and to the right of the

embossed account number. Make sure that you explain this to your customers.

To validate the card security code in a transaction, pass the card security code value in the

CVV2 parameter in your request. The response parameter CVV2MATCH returns the result of the

card security code check.

NOTE: To comply with credit card association regulations, do not store the card security code

value that you pass in the CVV2 parameter.

Card security code

The following is an example request parameter string.

TRXTYPE=S&TENDER=C&USER=SuperUser&PWD=SuperUserPassword&VENDOR=SuperUser&PA

RTNER=PayPal&ACCT=5105105105105100&EXPDATE=1215&CVV2=123&AMT=99.00&BILLTOFI

RSTNAME=John&BILLTOLASTNAME=Smith&BILLTOSTREET=123 Main St.&BILLTOCITY=San

Jose&BILLTOSTATE=CA&BILLTOZIP=12345

NOTE: Payflow returns the raw response from the processor in the PROCCVV2 parameter. For

details on the meaning of the response, contact your merchant bank.

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PayPal Gateway - 2013 Podręcznik Użytkownika Strona 83