Can I Disable AVS Checks?

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Ocean Zhang
Ocean Zhang's picture
User offline. Last seen 18 weeks 1 day ago.

We're getting a decent number of failed credit card transactions because people either don't have the right billing address or mess up on the CVV. This results in an added burden to our customer service staff and also leads to quite a large percentage of abandoned carts. Our average sale is only $37.55 and the rate of fraud is quite low. We end up processing as many failed transactions as possible manually. Most of them go through fine and most of the ones that go through do not have chargeback problems.

We use PayPal Website Payment Pro. I've disabled ALL fraud checks on PayPal Website Payment Pro. I'm able to enter only a credit card number and expiration date. No CVV, no billing address. But ChannelAdvisor checkout continues to require that information and forsome reason certain transactions fail if they go through CA checkout, but succeed if done manually on PayPal's virtual terminal. Why is this? How can I get CA to not send AVS and CVV checks to PayPal?

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Ocean

Marshall Smith
ChannelAdvisor Employee
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User offline. Last seen 5 days 3 hours ago.
RE: Can I Disable AVS Checks?

You can turn off CVV checks by removing the selection on the payment options page.

You can reduce the AVS checks to only those that come back with an affirmative "does not match" by not selecting the international AVS check option.

If you would like to even have those be skipped and allow those buyers through as well, submit a request to support to remove the "N" block on the AVS transactions from your account.  We don't put this as an option for you to select because of the fraud that it exposes sellers to that aren't completely familiar with how credit cards are processed.  I will warn you that users that have had this block removed before have had it added back, and that usually happens after fraudsters find out they can get through the checkout process with invalid address information in the billing address and just ship anywhere.  Once they find that out, the fraud increases quite quickly.  Keep in mind that the AVS check only looks at the billing address and the buyer can still select any other address for shipping as long as you've allowed that.  One would hope that people know the billing address of their credit card if they're actually receiving and paying the bill.

Ocean Zhang
Ocean Zhang's picture
User offline. Last seen 18 weeks 1 day ago.
RE: Can I Disable AVS Checks?

Thanks for that information. I'll probably do that next September and keep it until Halloween day.

Do you ever sleep?

Ocean

Marshall Smith
ChannelAdvisor Employee
Marshall Smith's picture
User offline. Last seen 5 days 3 hours ago.
RE: Can I Disable AVS Checks?

Yes, just at different hours.  One thing you could look into is the Fraud Management Filters at PayPal:

https://cms.paypal.com/us/cgi-bin/?cmd=_render-content&content_ID=develo...
http://ssc.ChannelAdvisor.com/news-and-updates/release-notes/14-february...

These work with Website Payments Pro and Express Checkout, but not the classic Website Payments Standard.  If a buyer is flagged by one of the filters they will be allowed to complete the purchase normally, but the order will be flagged in a payment review status (orange "$").  You can then look at the payment information at PayPal and the reason it was flagged for review and decide if you want to accept or reject the payment and update the order status accordingly.  They do charge additional for those so it may not make sense, but it is something additional that you could use.