Security Features

Address Verification Service (AVS)

• Allows card-not-present merchants to check cardholder’s billing address with the card Issuer.
• Available for Visa, MasterCard, and Discover.

Card Validation Digit (CVD)

• Visa: CVD2, MasterCard: CVC2, American Express: CID.
• CVD is a 3-4 digit code on the back of the credit card (for Visa and MasterCard) and in case of American Express cards, it is located on the front (see diagrams below).
• Helps ensure that the customer making a Mail Order/ Telephone Order (MOTO) or eCommerce purchase is actually in possession of their credit card. CVD is not part of the card number itself.

Visa and Mastercard

American Express

Key Benefits:

Reduce Fraud

• CVD and AVS offer checks on card information and t transaction validity, providing you with added peace of mind and a stronger line of defence against fraud and chargebacks.

Save Time

• Focus on your business of fulfilling orders rather than on authorization concerns, such as having to contact your customers and issuers to verify cardholder data.

Reduce Shipping errors and costs (AVS)

• Since billing addresses are verified with issuers, AVS can help reduce shipping errors and associated costs.

To learn more about eSELECTplus® and eFraud tools or to speak to a Moneris Solutions representative, please call 1-866-MONERIS.