E-Commerce is largely anonymous. This means that as an online merchant you don't know who the person entering a credit card number really is. If this purchase transaction, however, results in a chargeback, it is probably you that has been cheated.

You can increase transaction security by using Pago AVS. This service cross-checks the customer’s address data entered with the cardholder’s data as stored with the issuing bank.

The principle of Address Verification System (AVS)

Address Verification System (AVS) is a service provided by the credit card organizations MasterCard and Visa and has become the basic fraud management tool for E-commerce. AVS is deployed in nearly all credit card payment transactions on the internet and in mail-order / telephone-order businesses in the USA.

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Prerequisites and restrictions

As AVS is a service provided by Visa and MasterCard, it is only available for transactions involving these card brands.

AVS is basically available only for for US cards; however, AVS is also available for British Visa cards.

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Pago AVS process

Pago AVS is incorporated within Pago Fraud Screening, where possible.

Address data entered during an order process are routed to the card issuer for verification. The issuer compares the received data with the data stored and returns the result.

Pago AVS returns a response to the merchant indicating if the submitted address data corresponds to the card issuer’s billing data.

You can predefine the required procedure for AVS rejections during the payment process. In this way, AVS results can be individually integrated into your specific Pago risk policy.

Your benefits:

	less fraud
	fewer chargebacks and lower payment transaction costs

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