Quote:
Originally Posted by VGeorgie
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.)
|
EXCUSE ME FOR TYPING IN CAPS....BUT I NEED YOU TO STAY ON POINT!!
FACT:
1. I am not hitting anyone over the head with anything...I am asking questions about contradictions and discrepancies first.
2. Paul K stated matter of factly that he "COULD NOT" submit my join form without filling it out completely! his words not mine...okay?? He insisted that a prompt required him to fill out form completely before he could submit it......period,pure,plain,and simple!
3. 3 other individuals including myself submitted the form incompletely and WERE NOT asked to finish filling out form first.
ALL 3 INDIVIDUALS USED BOGUS NAMES AND GOT COMPLETELY DIFFERENT RESULTS WOULD YOU NOT THINK THIS SHOULD BE AFFORDED AN EXPLANATION???
HEY IF NOBODY FINDS THAT A TEENIE EENIE BIT BIZARRE OR QUESTIONABLE THEN OUR INDUSTRY IS IN WORSE SHAPE THEN EVEN I THOUGHT
By the way thanks for clarifying how you know so much about banking regs, compliance issues and other DETAILED INTRICACIES that the average person doesn't know. Sounded alot like a rep and I am sure you know that or you would not have specified you are not...LOL
So you are telling me that clear and concise contradictory information form Paul K (could be honest mistake I don't know...I am only accusing him of contradiction thats all)
So you are telling me with such glaring contradictions and bizarre form behavior...should not be a concern??
What else can be said? Is the flouridated water and high fructose corn syrup really that effective??
I am more bewildered by some of your blind religous and zealous defense of these anomalies then I am of the ACTUAL ANOMALIES