Validating Credit Cards

Credit Cards Fraud Risks

With fraud on the rise, online merchants face increasing risks. In card-not-present transactions, there are two basic levels of credit card validation used to validate that credit cards presented for payment actually belong to the person initiating the transaction. The first involves using the Luhn algorithm (also called the “Mod 10 Method “), which was developed as a way to validate unique numbers such as credit card numbers and social security numbers. To further validate credit cards, you’ll want to obtain authorization from the issuing bank for 1.) address verification (AVS) and 2.) cvv2 – the three or four digit code found on the back of credit cards. Banks will respond with match or mismatch codes for street address, zip (5 and or 9 digits) and cvv2.

What Else Can You Do

These methods are well known and criminals can find ways around them. A few simple precautions go a long way. Here are some tips for validating credit cards:

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