There are several reasons why this may happen, however in most cases it has to do with the Address Verification System(AVS) or the Card Verification Number(CVN).
AVS compares the billing address provided by customers during the checkout process to the address on file with the credit card issuer (which would be the address to which the cardholder's statements are mailed). If AVS indicates that the address does not match, there is reason to be cautious of a possibly fraudulent transaction.
AVS compares certain items of a customer's address. A score is sent from the card issuer advising whether all pieces of data matched, only some data elements matched, or no elements matched. A payment will be accepted when a customer provides enough elements of the correct cardholder address. If not, the payment will be voided, even if the issuer provides an authorization (an authorization only indicates that the account is valid and in good standing - not whether or not the customer is the cardholder).
If the customer has recently moved, the AVS system may not yet be showing the new address throughout the system. If you feel the information provided is correct with the information on file with your card issuer then we suggest you contact the issuer to verify the information they have is correct. In rare cases, it is possible that the cardholder's issuer is not fully compliant with the AVS system or that our Payment Provider is receiving a faulty response from the issuer.
CVN is a security code that is visible, in print, on either the front or the back of all major credit cards. The CVN is uniquely associated with the plastic card that is currently issued to the Cardholder. This number is never printed on a receipt or cardholder statement, nor may it be stored on a merchants' computer system.
When a customer selects a card to pay for their purchase, an additional screen will be displayed asking the customer to provide the CVN from their card. This value is then validated during the authorization process. Many card issuers will decline a transaction if the CVN is not provided. If the value provided by the customer does not match that which is on file at the card issuer, the issuer may decline the transaction or our Payment Provider may VOID it. Each cardholder's CVN must be enrolled with the card issuer. This requires entering information with your card issuer to verify the CVN in the future.
It is very important that the information provided in your billing address is correct. This is the data our Payment Provider will send to the card issuer for verification.
We have provided our customers the safest, securest way to make online purchases. Online fraud is hard to stop. By using the measures mentioned above we can all help control the cost of fraudulent transactions. Be web aware and always verify your personal information is handled correctly with all online merchants.
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