Using ProductCart - Credit Card CVV code in Non Real Time

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Credit Card CVV code in Non Real Time

Printed From: ProductCart E-Commerce Solutions
Category: ProductCart
Forum Name: Using ProductCart
Forum Description: Running your store with ProductCart
URL: https://forum.productcart.com/forum_posts.asp?TID=1116
Printed Date: 17-February-2025 at 12:44am
Software Version: Web Wiz Forums 12.04 - http://www.webwizforums.com

Topic: Credit Card CVV code in Non Real Time

Posted By: cdsinc
Subject: Credit Card CVV code in Non Real Time
Date Posted: 24-September-2007 at 6:42pm

How do I capture a credit card CVV code in Non-Real time processing. I cant find any setting in PC 3.051 to turn it on. If not possible, any suggestions would be great!

Thanks

Michael Connelly

Replies:

Posted By: ProductCart
Date Posted: 24-September-2007 at 8:57pm

Saving the credit card security code to the database violates consumer privacy regulations. Merchants are not allowed to save the security code together with the customer's billing information and credit card information. For example, see:

http://usa.visa.com/business/accepting_visa/ops_risk_management/card_not_present.html" eudora="autourl - http://usa.visa.com/business/accepting_visa/ops_risk_managem ent/card_not_present.html

- "To protect CVV2 data from being compromised, Visa U.S.A. Inc. Operating Regulations prohibit merchants from keeping or storing CVV2 numbers once a transaction has been completed."

Here is another opinion from an eCommerce forum on this issue that presents a slightly different perspective:

http://www.mivacentral.com/articles/cvv2.mv?ref=GLOBAL" eudora="autourl - http://www.mivacentral.com/articles/cvv2.mv?ref=GLOBAL

For now, your best bet is to enable real-time credit card processing through your payment gateway. In this environment, you can require the customer to enter the CVV2 code, since it is passed directly to the payment gateway and not stored in the ProductCart database.

-------------
The ProductCart Team

Home of ProductCart http://www.productcart.com" rel="nofollow - shopping cart software

Posted By: cdsinc
Date Posted: 24-September-2007 at 9:08pm

Aha - makes perfect sense! thanks for the input - Ill advise my client :-)