Verification
Services
The Chase Paymentech
IVR system offers two
verification services to
assist in preventing
fraudulent activity.
The responses provided
to the caller are specific
to our system and may
not apply to other voice
authorization centers.
ADDRESS VERIFICATION SERVICE (AVS)
During the course of a voice authorization, the merchant can request
the use of the Address Verification Service (AVS). It is a fraud-fighting
tool provided by the major payment brands to combat fraud on
card-not-present (CNP) transactions. During a transaction, the
merchant enters the cardholder’s street address, post office box
number and/or ZIP or postal code. These items are matched against
card issuer information and an AVS response code is returned in
addition to the typical authorization code. The merchant can use the
AVS response as additional information in deciding whether to
accept the transaction.
CARD SECURITY VERIFICATION (CSV)
Card Security Verification (CSV) prompts the caller to provide the
cardholder’s card security code, which is located on the back of the
card. The system responds with either “match” or “no match.”
CALL A CODE 10
If, for any reason, you are suspicious of fraudulent activity, then you
must: contact the Chase Paymentech voice authorization center,
press
[6]
and a Chase Paymentech representative will assist you.
At retail locations, the following circumstances require a “Code 10
Authorization:”
No magnetic strip on the back of the card
No signature on the back of the card
The signature on the back of the card does not match the
signature on the sales slip
The merchant’s point-of-sale (POS) system prompts the clerk to
hold the card
Possible
Fraudulent
Activity
Contact Chase
Paymentech if you are
suspicious of fraudulent
activity.
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