Quote:
Originally Posted by SwirlsGirl
As you stated Barcodes in my world of purchasing online I have never been able to finish a transaction without CV2 number?
|
There is no requirement by a US-based merchant to use CVV2 validation, and is up to the merchant and the specific authorization gateway whether or not to require it. The lack of the number, or an incorrect number, can be used as a scoring mechanism. If other aspects of the transaction show a valid customer, not having a CVV2 number may indeed be permitted. It's all part of risk management, which at the end of the day is CCBill's business, just as it is with any company that deals with the flow of money.
Paul regularly uses his card for test transactions, so CCBill's own pre-auth screening will treat his card differently than yours.
The fact that it may have been required on some transactions through your site and not others only points to CCBill's likely use of a variety of gateways and acquiring banks, plus its own internal scoring mechanism (which is their trade secret).
Has it occurred to you that CCBill have even relaxed the banking rules for your site as a favor to you to reduce the declines? Now you're hitting them over the head with what you see as a discrepancy. Would you prefer their setting your banking rules to require a valid CVV2 on EVERY transaction for your site? Ask them; that could probably be arranged if you insist on it.
(How do I know all of this? Sorry, I'm not part of some vast CCBill conspiracy. It's only because I have my own merchant account, and I've chosen to educate myself about these issues.)