Authorize.Net US Merchants - (Dom/Intl) AVS/CVV Settings?

[olimits7]

Hi,

I was wondering; US merchants that accept both domestic/international orders what configuration do you have set for AVS/CVV in Authorize.Net?

Also, do you use any other transaction filters that you can set under your "Fraud Detection Suite" section?

This is currently what I have setup for my AVS/CVV settings:

AVS/CVV Key:
A = Allow
ARTF = Allow, Report Triggered Filter(s)
AHFR = Authorize and Hold For Review
D = Decline

AVS Confirguration:
D = B Transaction was submitted without a billing address.
D = E AVS data provided is invalid or AVS is not allowed for the card type that was used.
D = R The AVS system was unavailable at the time of processing.
A = G The card issuing bank is of non-U.S. origin and does not support AVS.
A = U The address information for the cardholder is unavailable.
A = S The U.S. card issuing bank does not support AVS.

Street Address ZIP Code Extended ZIP
D = N No Match No Match No Match
A = A Matched No Match No Match
A = Z No Match Matched No Match
A = W No Match Matched Matched
A = Y Matched Matched No Match

CVV Configuration:
D = N Does NOT Match
D = P Is NOT Processed
D = S Should be on card, but is not indicated
D = U Issuer is not certified or has not provided encryption key

Thank you,

olimits7

[HRoth]

The only thing I kick out is if the card code doesn't match. I look at every transaction. People move and don't tell their bank, so if the AVS is no match, I don't deny it but instead look at what they ordered. After all these years, I can pretty much spot someone who is trying to rip me off by what they are buying, if what they put in the cart is in alphabetical order, or sometimes if they are buying multiples of the same number. If I feel suspicious, I look at the info and make a decision based on that and void the transaction without contacting the customer. I have certain countries blocked, which helps, but in general, what I sell does not attract a lot of fraud. For me, that has been the key--being selective about what I sell and what I don't. I have discontinued items that I found attracted a lot of young people using someone else's card. I even repeatedly went through my site and deleted words that I found they were searching on regularly. I did lose sales because of that, but I also lost a lot of fraud not only on the CC end but also in terms of bogus claims of non-delivery and trigger-happy customers who immediately want to go to the f-word. It was worth it to me to change what I sold in that way and I ended up attracting a customer with more money to spend per transaction, people who wanted higher end stuff. I'm still working on that, though.

[jwolthuis]

Good points in HRoth's post: block countries that don't use credit cards, edit descriptions that contain incendiary search phrases, purge trigger-happy customers.

Not sure I agree with the AVS-claim. They still know their old billing address. I'd find that excuse for AVS-mismatch "fishy".