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Reduce Online Payment Fraud with a CVV Filter

If you ask the average person why he or she likes shopping online, you’ll probably receive the answer, “ease” and “convenience.”

If you ask criminals why they enjoy abusing e-commerce sites, they'll tell you the same thing.

They’re right: online fraud is both “easy” and “convenient.”

All thieves have to do is simply glance at another person's credit card, and they have most of the information they need to get started, including the:

  • Card number
  • Expiration date
  • Customer's name

With a simple reverse lookup, the thief can even find the correct billing address for that customer. Thereafter, the criminal can begin racking up charges — securely and anonymously from any computer.

However, there is one more piece of information on most credit cards — one that surprisingly few criminals bother to steal since they don’t always need it to shop online.

That piece of information is the card verification value (CVV) – i.e., the three- to four-digit verification code on the back of most standard credit cards.

Requiring this extra value won't stop all fraudulent attacks, but it can dramatically reduce the frequency and severity of credit card abuse within your online business.

This is why we’ve included the CVV filter in our suite of fraud management tools.

How Does the CVV Filter Work?

When setting up your e-commerce store, you can configure the checkout page to make the CVV field mandatory. The same is true when processing other card-not-present transactions via mail or phone.

With this filter in place, whatever CVV data the user provides must match what the bank has on file:

  • If it does, the transaction goes through.
  • If there’s a mismatch, that purchase gets denied.

But wait a minute — aren't CVVs also easy to steal? After all, they're printed on the user's card along with the expiration date, number and name.

This is true of static CVVs that never change, but many card issuers now provide customers with dynamic CVVs that expire periodically. During the checkout process, customers receive one-time codes sent to their registered telephones or email addresses. Unless a criminal has access to these as well, it's impossible to complete the transaction successfully.

Fortunately, BluePay's CVV filter works with these newer dynamic values, too. To learn more, click here.

Combining the CVV Filter with Our Other Fraud Management Services

As this demo video illustrates, the CVV filter is a very powerful tool. However, it offers limited protection when used as a standalone security option.

This is why we offer a broad range of fraud management filters that allow for much greater flexibility and control. Combining these tools together is the best way to reduce suspicious activity from harming your business.

For a complete overview of these other fraud management solutions, click here.

To learn more about the next security tool on our list, visit the Country filter.

If you have additional questions about protecting your business from card-not-present fraud, schedule a free appointment with our payment security team today.

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Topics: E-Commerce and Online Payments

Welcome to the BluePay Blog!

Whether you're a small business, an enterprise corporation, a financial institution, or a software partner, we have created a series of blog posts to help you and your customers, learn more about the complex nature of payments. Take a look to learn how payments can help to simplify your business operation, and may even help to grow your revenue.

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