How is a credit card verified?

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A credit card verification is an important security feature for manually entered (non-swiped) credit card transactions. The code helps verify that the customer, presumably the legitimate cardholder, has the actual card in their possession. The use of this feature is optional, but highly recommended.

The verification process compares the card verification code entered against the card issuer's records.

This preference controls how you handle transactions that fail the card verification.

If you have this option enabled (selected):

- Transactions where the card fails the verification check are not allowed. You will have to ask the customer for another form of payment.

If you do not have this option enabled:

- You are alerted when a card fails the verification check, but you can choose to proceed with the transaction at your discretion.

Notes:

- Depending on the card issuer, the card verification feature may be referred to as a card verification code (CVC), card verification value (CVV), card identification number (CID), or cardmember ID. All of these terms are synonymous and mean the same thing.

- Some card issuers automatically deny transactions where the card verification has failed, regardless of this preference setting.

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