{"id":4251,"date":"2016-11-08T15:10:53","date_gmt":"2016-11-08T20:10:53","guid":{"rendered":"http:\/\/3dmerchant.com\/blog\/?p=4251"},"modified":"2021-12-03T03:22:31","modified_gmt":"2021-12-03T08:22:31","slug":"cavv-authentication-verification-value","status":"publish","type":"post","link":"https:\/\/3dmerchant.com\/blog\/terminology\/cavv-authentication-verification-value","title":{"rendered":"What is CAVV Authentication Verification Value?"},"content":{"rendered":"<p>Cardholder Authentication Verification Value, or CAVV, are potential responses for <span style=\"text-decoration: underline;\">customer initiated<\/span> Visa debit and credit card transactions where the Verified by Visa, or Vbyv, authentication method is used. E-commerce, online payments, and Electronic Invoice Presentment &amp; Payment (EIPP or EBPP) are all solutions in which a customer can participate in self-authentication.<\/p>\n<p><a href=\"https:\/\/3dmerchant.com\/blog\/wp-content\/uploads\/2014\/12\/verified-visa-combo.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-medium wp-image-3276\" src=\"https:\/\/3dmerchant.com\/blog\/wp-content\/uploads\/2014\/12\/verified-visa-combo-300x81.jpg\" alt=\"verified visa mastercard secure code combo logo\" width=\"300\" height=\"81\" srcset=\"https:\/\/3dmerchant.com\/blog\/wp-content\/uploads\/2014\/12\/verified-visa-combo-300x81.jpg 300w, https:\/\/3dmerchant.com\/blog\/wp-content\/uploads\/2014\/12\/verified-visa-combo.jpg 429w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/a><strong>How does CAVV impact interchange rates, the bulk of credit card processing fees?<\/strong><\/p>\n<p>To qualify for CAVV interchange rates, merchants must register for Verified by Visa through their merchant services provider, and must use a payment gateway that supports the service as part of the transaction process. In addition, other rules apply such as settlement time and more; the latter part can be managed automatically with an intelligent payment gateway.<strong><br \/>\n<\/strong><\/p>\n<ul>\n<li>The best Visa Card Not Present Key entered transaction credit rate is 1.80%.<\/li>\n<li>The same Visa transaction as above, but with a valid CAVV response is 1.70%.<\/li>\n<\/ul>\n<h2>How does CAVV impact fraud risk?<\/h2>\n<p>If a <strong>passed validation<\/strong> response is returned, then fraud risk shifts to the card issuer. Responses other than &#8216;fail&#8217; may warrant additional scrutiny as part of a layered approach to mitigate fraud risk.<\/p>\n<h2 class=\"FDTabletext10pt\"><strong>CAVV Transaction Response Code Values:<\/strong><\/h2>\n<ul>\n<li>\u201c \u201d &#8211;\u00a0 Blank CAVV or AEVV Not Present<\/li>\n<li>0 \u2013 CAVV or AEVV Not Validated due to erroneous data submitted<\/li>\n<li>1 \u2013 CAVV or AEVV Failed Validation \u2013 Authentication Transaction. This is an indication of potential bad or fraudulent data submitted as the CAVV\/AEVV.<\/li>\n<li>2 \u2013 CAVV or AEVV Passed Validation \u2013 Authentication Transaction<\/li>\n<li>3 \u2013 CAVV or AEVV Passed Validation \u2013 Attempted Authentication Transaction. (Determined that the Issuer ACS generated this value from the use of the Issuer\u2019s CAVV\/AEVV key[s]).<\/li>\n<li>4 \u2013 CAVV or AEVV Failed Validation \u2013 Attempted Authentication Transaction. This is an indication of potential bad or fraudulent data submitted as the CAVV\/AEVV. (Determined that Visa generated this value from the use of CAVV\/AEVV key[s]).<\/li>\n<li>5 \u2013 Reserved for future use \u2013 NOT USED<\/li>\n<li>6 \u2013 CAVV or AEVV Not Validated \u2013 Issuer not participating in CAVV\/AEVV validation. This value is generated when an Issuer requests the \u201cdo not verify\u201d flag to be established for its BINs. This parameter enables an Issuer to temporarily stop CAVV\/AEVV verification while resolving CAVV\/AEVV key issues. VisaNet processes this value as a valid CAVV\/AEVV.<\/li>\n<li>7 \u2013 CAVV or AEVV Failed Validation \u2013 Attempted Authentication Transaction. This is an indication of potential bad or fraudulent data submitted as the CAVV\/AEVV. (CAVV\/AEVV generated with Visa Key)<\/li>\n<li>8 \u2013 CAVV or AEVV Passed Validation \u2013 Attempted Authentication Transaction. (CAVV\/AEVV generated with Visa Key)<\/li>\n<li>9 \u2013 CAVV or AEVV Failed Validation \u2013 Attempted Authentication Transaction. This is an indication of potential bad or fraudulent data submitted as the CAVV\/AEVV (CAVV\/AEVV generated with Visa Key \u2013 Issuer ACS unavailable)<\/li>\n<li>A \u2013 CAVV or AEVV Passed Validation \u2013 Attempted Authentication Transaction. (CAVV\/AEVV generated with Visa Key \u2013 Issuer ACS unavailable)<\/li>\n<li>B \u2013 CAVV or AEVV Failed Validation \u2013 Attempted Authentication Transaction. This is an indication of potential bad or fraudulent data submitted as the CAVV\/AEVV. (CAVV\/AEVV generated with Visa Key)<\/li>\n<li>C \u2013 CAVV or AEVV Not Validated \u2013 Attempted Authentication Transaction. Issuer did not return a CAVV\/AEVV results code in the authorization response. VisaNet will treat this as valid CAVV\/AEVV if the Issuer approves the authorization.<\/li>\n<li>D \u2013 CAVV or AEVV Not Validated \u2013 Authentication \u2013 Issuer did not return a CAVV\/AEVV results code in the authorization response. VisaNet will treat this as valid CAVV\/AEVV if the Issuer approves the authorization.<\/li>\n<li>I \u2013 Invalid Security Data<\/li>\n<li>U \u2013 Issuer does not participate or 3-D Secure data not utilized.<\/li>\n<li>Default space filled<\/li>\n<\/ul>\n<p>Note, other card brand authentication terms are AEVV, American Express Verification Value and MasterCard <strong>Universal Cardholder Authentication Field (UCAF<sup>\u2122<\/sup>). <\/strong>All of these, including VbyV, use the global standardized 3-D Secure XML security protocol. Payment gateways can implement 3-D Secure in different ways, which can potentially impact profits and risk.<\/p>\n<p><em>For CenPOS solutions to enable customer cardholder authentication, including payment gateway, contact <a href=\"https:\/\/3dmerchant.com\/blog\/about\">Christine Speedy<\/a> today. Not all solutions work alike, contact an expert.<br \/>\n<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Cardholder Authentication Verification Value, or CAVV, are potential responses for customer initiated Visa debit and credit card transactions where the Verified by Visa, or Vbyv, authentication method is used. E-commerce, online payments, and Electronic Invoice Presentment &amp; Payment (EIPP or &hellip; <a href=\"https:\/\/3dmerchant.com\/blog\/terminology\/cavv-authentication-verification-value\">Continue reading <span class=\"meta-nav\">&rarr;<\/span><\/a><\/p>\n","protected":false},"author":11,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[170,132,537,18],"tags":[573,589,590,588],"class_list":["post-4251","post","type-post","status-publish","format-standard","hentry","category-fraud-protection","category-merchant-account-qa","category-payment-gateway","category-terminology","tag-authentication","tag-cavv","tag-ucaf","tag-verifed-by-visa"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 5.0.0.1 - aioseo.com -->\n\t<meta name=\"description\" content=\"Cardholder Authentication Verification Value, or CAVV, are potential responses for customer initiated Visa debit and credit card transactions where the Verified by Visa, or Vbyv, authentication method is used. 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E-commerce, online payments, and Electronic Invoice Presentment &amp; Payment (EIPP or EBPP) are all solutions in which a customer can participate in self-authentication. How does CAVV","twitter:image":"https:\/\/3dmerchant.com\/blog\/wp-content\/uploads\/2017\/10\/logo-combo-3d-2017.png"},"aioseo_meta_data":{"post_id":"4251","title":null,"description":null,"keywords":null,"keyphrases":null,"primary_term":null,"canonical_url":null,"og_title":null,"og_description":null,"og_object_type":"default","og_image_type":"default","og_image_url":null,"og_image_width":null,"og_image_height":null,"og_image_custom_url":null,"og_image_custom_fields":null,"og_video":null,"og_custom_url":null,"og_article_section":null,"og_article_tags":null,"twitter_use_og":false,"twitter_card":"default","twitter_image_type":"default","twitter_image_url":null,"twitter_image_custom_url":null,"twitter_image_custom_fields":null,"twitter_title":null,"twitter_description":null,"schema":{"blockGraphs":[],"customGraphs":[],"default":{"data":{"Article":[],"Course":[],"Dataset":[],"FAQPage":[],"Movie":[],"Person":[],"Product":[],"ProductReview":[],"Car":[],"Recipe":[],"Service":[],"SoftwareApplication":[],"WebPage":[]},"graphName":"","isEnabled":true},"graphs":[]},"schema_type":"default","schema_type_options":null,"pillar_content":false,"robots_default":true,"robots_noindex":false,"robots_noarchive":false,"robots_nosnippet":false,"robots_nofollow":false,"robots_noimageindex":false,"robots_noodp":false,"robots_notranslate":false,"robots_max_snippet":null,"robots_max_videopreview":null,"robots_max_imagepreview":"large","priority":null,"frequency":null,"local_seo":null,"breadcrumb_settings":null,"limit_modified_date":false,"ai":null,"created":"2024-01-22 15:59:28","updated":"2025-06-04 07:38:26","seo_analyzer_scan_date":null,"focus_keyword":null,"additional_keywords":null,"truseo_locale":null},"aioseo_breadcrumb":"<div class=\"aioseo-breadcrumbs\"><span class=\"aioseo-breadcrumb\">\n\t\t\t<a href=\"https:\/\/3dmerchant.com\/blog\" title=\"Home\">Home<\/a>\n\t\t<\/span><span class=\"aioseo-breadcrumb-separator\">&raquo;<\/span><span class=\"aioseo-breadcrumb\">\n\t\t\t<a href=\"https:\/\/3dmerchant.com\/blog\/category\/merchant-processing-services\" title=\"Merchant Services\">Merchant Services<\/a>\n\t\t<\/span><span class=\"aioseo-breadcrumb-separator\">&raquo;<\/span><span class=\"aioseo-breadcrumb\">\n\t\t\t<a href=\"https:\/\/3dmerchant.com\/blog\/category\/merchant-processing-services\/merchant-account-qa\" title=\"merchant account Q&amp;A\">merchant account Q&amp;A<\/a>\n\t\t<\/span><span class=\"aioseo-breadcrumb-separator\">&raquo;<\/span><span class=\"aioseo-breadcrumb\">\n\t\t\tWhat is CAVV Authentication Verification Value?\n\t\t<\/span><\/div>","aioseo_breadcrumb_json":[{"label":"Home","link":"https:\/\/3dmerchant.com\/blog"},{"label":"Merchant Services","link":"https:\/\/3dmerchant.com\/blog\/category\/merchant-processing-services"},{"label":"merchant account Q&amp;A","link":"https:\/\/3dmerchant.com\/blog\/category\/merchant-processing-services\/merchant-account-qa"},{"label":"What is CAVV Authentication Verification Value?","link":"https:\/\/3dmerchant.com\/blog\/terminology\/cavv-authentication-verification-value"}],"_links":{"self":[{"href":"https:\/\/3dmerchant.com\/blog\/wp-json\/wp\/v2\/posts\/4251","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/3dmerchant.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/3dmerchant.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/3dmerchant.com\/blog\/wp-json\/wp\/v2\/users\/11"}],"replies":[{"embeddable":true,"href":"https:\/\/3dmerchant.com\/blog\/wp-json\/wp\/v2\/comments?post=4251"}],"version-history":[{"count":1,"href":"https:\/\/3dmerchant.com\/blog\/wp-json\/wp\/v2\/posts\/4251\/revisions"}],"predecessor-version":[{"id":4253,"href":"https:\/\/3dmerchant.com\/blog\/wp-json\/wp\/v2\/posts\/4251\/revisions\/4253"}],"wp:attachment":[{"href":"https:\/\/3dmerchant.com\/blog\/wp-json\/wp\/v2\/media?parent=4251"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/3dmerchant.com\/blog\/wp-json\/wp\/v2\/categories?post=4251"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/3dmerchant.com\/blog\/wp-json\/wp\/v2\/tags?post=4251"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}