Authorizations with CVN

This section shows you how to process an authorization with a card verification number (CVN).

Supported Processors

AIBMS
American Express Direct
Barclays
Chase Paymentech Solutions
Chase Tandem
China UnionPay
Cielo
Comercio Latino
Credit Mutuel-CIC
Elavon Americas
FDC Compass
FDC Nashville Global
FDI Australia
FDMS Nashville
GPN
HBoS
HSBC
JCN Gateway
Lloyds-OmniPay
LloydsTSB Cardnet
Moneris
OmniPay Direct
Prosa
RuPay HDFC
SIX
Streamline
TSYS Acquiring Solutions
Worldpay VAP

Chase Paymentech Solutions
Elavon Americas
FDC Nashville Global
Streamline
Worldpay VAP

Barclays

TSYS Acquiring Solutions

CVN Results

The response includes a raw response code and a mapped response code:

The raw response code is the value returned by the processor. This value is returned in the processorInformation.cardVerification.resultCodeRaw field. Use this value only for debugging purposes; do not use it to determine the card verification response.
The mapped response code is the pre-defined value that corresponds to the raw response code. This value is returned in the processorInformation.cardVerification.resultCode field.

Even when the CVN does not match the expected value, the issuing bank might still authorize the transaction. You receive a CVN decline, but you can still capture the transaction because it has been authorized by the bank. However, you must review the order to ensure that it is legitimate.

Settling authorizations that fail the CVN check might have an impact on the fees charged by your bank. Contact your bank for details about how card verification management might affect your discount rate.

When a CVN decline is received for the authorization in a sale request, the capture request is not processed unless you set the processingInformation.authorizationOptions.ignoreCvResult field to true.

This table describes the CVN results by card type:

Card Type	Description	Supported Processors
American Express	A value of `1` in the `processorInformation.cardVerification.resultCode` field indicates that your account is not configured to use card verification. Contact customer support to have your account enabled for this feature.	AIBMS, American Express Direct, Barclays, Chase Paymentech Solutions, Chase Paymentech Tampa, China UnionPay, Cielo, Comercio Latino, Credit Mutuel-CIC, Elavon, Elavon Americas, FDC Compass, FDC Nashville Global, FDI Australia, GPN, GPX, HBOS, JCN Gateway, Lloyds-OmniPay, LloydsTSB Cardnet, Moneris, OmniPay Direct, Prosa, RuPay HDFC, FDMS Nashville, TSYS Acquiring Solutions, , Worldpay VAP
Discover	For FDC Nashville Global and FDMS Nashville, CVN results can be returned for any of the card types on the Discover Network. When CVN results are returned to you, it is your responsibility to decide whether to accept the transaction. For all other processors, when the CVN does not match, Discover refuses the card and the request is declined. The response message does not include the `processorInformation.cardVerification.resultCode` field, which indicates that the CVN failed.	AIBMS, American Express Direct, Barclays, Chase Paymentech Solutions, Chase Paymentech Tampa, China UnionPay, Cielo, Comercio Latino, Credit Mutuel-CIC, Elavon, Elavon Americas, FDC Compass, FDC Nashville Global, FDI Australia, FDMS Nashville, GPN, GPX, HBOS, JCN Gateway, Lloyds-OmniPay, LloydsTSB Cardnet, Moneris, OmniPay Direct, Prosa, RuPay HDFC, SIX, Streamline, TSYS Acquiring Solutions, , Worldpay VAP
Mastercard and Visa	A CVN code of `D` or `N` causes the request to be declined with a reason code value of `230`. You can still capture the transaction, but you must review the order to ensure that it is legitimate. , not the issuer, assigns the CVN decline to the authorization. You can capture any authorization that has a valid authorization code from the issuer, even when the request receives a CVN decline. When the issuer does not authorize the transaction and the CVN does not match, the request is declined because the card is refused. You cannot capture the transaction.	AIBMS, American Express Direct, Barclays, Chase Paymentech Solutions, Chase Paymentech Tampa, China UnionPay, Cielo, Comercio Latino, Credit Mutuel-CIC, Elavon, Elavon Americas, FDC Compass, FDC Nashville Global, FDI Australia, FDMS Nashville, GPN, GPX, HBOS, HSBC, JCN Gateway, Lloyds-OmniPay, LloydsTSB Cardnet, Moneris, OmniPay Direct, Prosa, RuPay HDFC, SIX, Streamline, TSYS Acquiring Solutions, , Worldpay VAP

Card Type	Description	Supported Processors
American Express	A value of `1` in the `processorInformation.cardVerification.resultCode` field indicates that your account is not configured to use card verification. Contact customer support to have your account enabled for this feature.	Chase Paymentech Solutions, Elavon Americas, FDC Nashville Global, , Worldpay VAP

Discover	For FDC Nashville Global, CVN results can be returned for any of the card types on the Discover Network. When CVN results are returned to you, it is your responsibility to decide whether to accept the transaction. For all other processors, when the CVN does not match, Discover refuses the card and the request is declined. The response message does not include the `processorInformation.cardVerification.resultCode` field, which indicates that the CVN failed.	Chase Paymentech Solutions, Elavon Americas, FDC Nashville Global, Streamline, , Worldpay VAP

Mastercard and Visa	A CVN code of `D` or `N` causes the request to be declined with a reason code value of `230`. You can still capture the transaction, but you must review the order to ensure that it is legitimate. , not the issuer, assigns the CVN decline to the authorization. You can capture any authorization that has a valid authorization code from the issuer, even when the request receives a CVN decline. When the issuer does not authorize the transaction and the CVN does not match, the request is declined because the card is refused. You cannot capture the transaction.	Chase Paymentech Solutions, Elavon Americas, FDC Nashville Global, Streamline, , Worldpay VAP

Card Type	Description	Supported Processors
American Express	A value of `1` in the `processorInformation.cardVerification.resultCode` field indicates that your account is not configured to use card verification. Contact customer support to have your account enabled for this feature.	Barclays

Discover	When the CVN does not match, Discover refuses the card and the request is declined. The response message does not include the `processorInformation.cardVerification.resultCode` field, which indicates that the CVN failed.	Barclays

Mastercard and Visa	A CVN code of `D` or `N` causes the request to be declined with a reason code value of `230`. You can still capture the transaction, but you must review the order to ensure that it is legitimate. , not the issuer, assigns the CVN decline to the authorization. You can capture any authorization that has a valid authorization code from the issuer, even when the request receives a CVN decline.<br>When the issuer does not authorize the transaction and the CVN does not match, the request is declined because the card is refused. You cannot capture the transaction.	Barclays

Card Type	Description	Supported Processors
American Express	A value of `1` in the `processorInformation.cardVerification.resultCode` field indicates that your account is not configured to use card verification. Contact customer support to have your account enabled for this feature.	GPX
Discover	When the CVN does not match, Discover refuses the card and the request is declined. The response message does not include the `processorInformation.cardVerification.resultCode` field, which indicates that the CVN failed.	GPX
Mastercard and Visa	A CVN code of `D` or `N` causes the request to be declined with a reason code value of `230`. You can still capture the transaction, but you must review the order to ensure that it is legitimate. , not the issuer, assigns the CVN decline to the authorization. You can capture any authorization that has a valid authorization code from the issuer, even when the request receives a CVN decline. When the issuer does not authorize the transaction and the CVN does not match, the request is declined because the card is refused. You cannot capture the transaction.	GPX

Card Type	Description	Supported Processors
American Express	A value of `1` in the `processorInformation.cardVerification.resultCode` field indicates that your account is not configured to use card verification. Contact customer support to have your account enabled for this feature.
Discover	When the CVN does not match, Discover refuses the card and the request is declined. The response message does not include the `processorInformation.cardVerification.resultCode` field, which indicates that the CVN failed.
Mastercard and Visa	A CVN code of `D` or `N` causes the request to be declined with a reason code value of `230`. You can still capture the transaction, but you must review the order to ensure that it is legitimate. , not the issuer, assigns the CVN decline to the authorization. You can capture any authorization that has a valid authorization code from the issuer, even when the request receives a CVN decline. When the issuer does not authorize the transaction and the CVN does not match, the request is declined because the card is refused. You cannot capture the transaction.

Card Type	Description	Supported Processors
American Express	A value of `1` in the `processorInformation.cardVerification.resultCode` field indicates that your account is not configured to use card verification. Contact customer support to have your account enabled for this feature.	TSYS Acquiring Solutions,
Discover	When the CVN does not match, Discover refuses the card and the request is declined. The response message does not include the `processorInformation.cardVerification.resultCode` field, which indicates that the CVN failed.	TSYS Acquiring Solutions,
Mastercard and Visa	A CVN code of `D` or `N` causes the request to be declined with a reason code value of `230`. You can still capture the transaction, but you must review the order to ensure that it is legitimate. , not the issuer, assigns the CVN decline to the authorization. You can capture any authorization that has a valid authorization code from the issuer, even when the request receives a CVN decline. When the issuer does not authorize the transaction and the CVN does not match, the request is declined because the card is refused. You cannot capture the transaction.	TSYS Acquiring Solutions,

Endpoints

POST /pts/v2/payments

Example

{    "paymentInformation": {        "card": {        "number": "CARD_NUMBER",        "expirationMonth": "12",        "expirationYear": "2031",        "type": "001",        "securityCode": "999"        }    },    "orderInformation": {        "amountDetails": {        "totalAmount": "49.95",        "currency": "USD"    },     "billTo": {        "firstName": "John",        "lastName": "Doe",        "address1": "1295 Charleston Rd.",        "locality": "Mountain View",        "administrativeArea": "CA",        "postalCode": "94043",        "country": "US",        "email": "[email protected]",        "phoneNumber": "650-965-6000"        }    }}

{    "_links": {        "authReversal": {            "method": "POST",            "href": "/pts/v2/payments/6554147587216874903954/reversals"        },        "self": {            "method": "GET",            "href": "/pts/v2/payments/6554147587216874903954"        },        "capture": {            "method": "POST",            "href": "/pts/v2/payments/6554147587216874903954/captures"        }    },    "clientReferenceInformation": {        "code": "1655414758839"    },    "id": "6554147587216874903954",    "orderInformation": {        "amountDetails": {            "authorizedAmount": "49.95",            "currency": "USD"        }    },    "paymentAccountInformation": {        "card": {            "type": "001"        }    },    "paymentInformation": {        "tokenizedCard": {            "type": "001"        },        "card": {            "type": "001"        }    },    "pointOfSaleInformation": {        "terminalId": "111111"    },    "processorInformation": {        "approvalCode": "888888",        "networkTransactionId": "123456789619999",        "transactionId": "123456789619999",        "responseCode": "100",        "avs": {            "code": "X",            "codeRaw": "I1"        }    },    "reconciliationId": "67546603C43Z6JWN",    "status": "AUTHORIZED",    "submitTimeUtc": "2022-06-16T21:25:58Z"}

Required Fields

Default Required Fields

Field	Description
`orderInformation.amountDetails.currency`	—
`orderInformation.amountDetails.totalAmount`	—
`orderInformation.billTo.address1`	—
`orderInformation.billTo.administrativeArea`	—
`orderInformation.billTo.country`	—
`orderInformation.billTo.email`	—
`orderInformation.billTo.firstName`	—
`orderInformation.billTo.lastName`	—
`orderInformation.billTo.locality`	—
`orderInformation.billTo.postalCode`	—
`paymentInformation.card.expirationMonth`	—
`paymentInformation.card.expirationYear`	—
`paymentInformation.card.number`	—
`paymentInformation.card.securityCode`	—
`paymentInformation.card.type`	—

Processor-Specific Required Fields

China UnionPay

Field	Description
`paymentInformation.card.typeSelectionIndicator`	—
`paymentInformation.card.useAs`	—

RuPay HDFC

Field	Description
`orderInformation.amountDetails.currency`	set the value to `INR`.

Optional Fields

You can use these optional fields to include additional information when processing an authorization with a card verification number:

Optional Fields

Field	Description
`paymentInformation.card.securityCodeIndicator`	—
`processingInformation.authorizationOptions.ignoreCvResult`	—

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Last published: September 29, 2026