--- title: What Are AVS and CVV? description: Running CVV and AVS credit card match can protect your business and reduce your transaction costs. Learn why. image: https://blog.payjunction.com/hubfs/BLOG/FEATURED%20IMAGES/avs-cvv-benefits.svg --- [tel:1-800-601-0230](tel:1-800-601-0230) 800-601-0230 - Features - Solutions - Developers - [Pricing](https://www.payjunction.com/payments/pricing.html) - Resources [See a Demo](https://www2.payjunction.com/tour-payjunction) Features - EXPLORE PRODUCTS [No-code Payments Integration®](https://www.payjunction.com/payments/no-code-payments-integration.html) [ZeroTouch Terminal](https://www.payjunction.com/payments/smart-terminal.html) [Portable Terminal](https://www.payjunction.com/payments/portable-credit-card-reader-terminal.html) - ACCEPT PAYMENTS [Invoices](https://www.payjunction.com/payments/electronic-invoices.html) [ACH Electronic Checks](https://www.payjunction.com/payments/ach-payments.html) [SmartSurcharge®](https://www.payjunction.com/payments/smart-surcharge.html) [Cards on File](https://www.payjunction.com/payments/store-credit-card-info.html) [Rapid Refunds](https://www.payjunction.com/payments/credit-card-refund.html) [Recurring Billing](https://www.payjunction.com/payments/recurring-payments.html) [Ecommerce](https://www.payjunction.com/payments/ecommerce-merchant-services.html) [Mobile App](https://itunes.apple.com/us/app/payjunction/id1324839420?ls=1&mt=8) - EXPLORE CAPABILITIES [Overview](https://www.payjunction.com/payments/payment-processing-solutions.html) [Integration Marketplace](https://integrations.payjunction.com/) [Remote Signature](https://www.payjunction.com/payments/signature-capture.html) [Multi-Location](https://www.payjunction.com/payments/enterprise-payments.html) [Sales Reports](https://www.payjunction.com/payments/sales-reports.html) [Search and Export](https://www.payjunction.com/payments/transaction-history-search.html) [Customization](https://www.payjunction.com/payments/custom-payment-software.html) Solutions - [Veterinary Streamline payment workflows and get paid faster with up-front deposits and payment schedules for high-cost procedures. 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A diligent cashier could ask to see photo ID to confirm that the person in front of her is, in fact, the cardholder. The name and face should match. However, for card-not-present transactions, merchants must manually key in the credit card number. Verifying the purchaser’s identity is more difficult when you can’t verify it with an ID. Let’s face it: It would be unreasonable to jump on Skype to see each of your online customers’ faces. With just a credit card number, fraudsters can put charges on a credit card even if it’s not in their possession. To combat this, businesses can implement the Address Verification System (AVS) and Card Verification Value (CVV) to both confirm the authenticity of the purchase and lower their transaction costs. So what are AVS and CVV? ## Payment Processing Demo Schedule 15 minutes with a payments expert Get a customized PayJunction product walk-through Understand requirements and pricing Determine your SAVINGS! GET DEMO NOW ## How CVV and AVS Credit Card Match Help Combat Fraud AVS and CVV verify ownership in slightly different ways. With AVS credit card match, a merchant requests the customer’s address and ZIP code. Most point-of-sale systems and [Virtual Terminals](https://blog.payjunction.com/virtual-terminal-credit-card-processing) can quickly verify that the address the customer provided matches the billing address associated with the card. With CVV, a merchant can verify that the customer has the physical card on hand since it requires a code on the back of most credit cards. (This number is on the front of Amex cards.) ![AVS-CVV-Cards](https://blog.payjunction.com/hs-fs/hubfs/BLOG/BLOG%20IN-LINE%20IMAGES/AVS-CVV-Cards.jpg?width=760&name=AVS-CVV-Cards.jpg) Ideally, a fraudster who only has a credit card number won’t be able to pass through AVS and CVV. Merchants don’t need to run AVS and CVV for card-not-present transactions — and it does cost a bit more money to do so — but the potential savings in the event of a fraudulent transaction make it a best practice. And when we say a bit more money, we’re talking $0.01 per transaction (though some [unethical providers inflate](https://blog.payjunction.com/merchant-service-fees-unethical-billing/) these rates). It costs only a penny per transaction to protect your business from an array of charges likely to result in a chargeback. ## How AVS Credit Card Match Affects Your Rates Running AVS lowers your Interchange rates. While it costs $0.01 to run credit card AVS, your transactions qualify for lower rates when you use it. [Using CVV](https://support.payjunction.com/hc/en-us/articles/213513908-What-is-a-CVV-and-how-do-I-change-my-CVV-settings) does not result in a reduction in your Interchange rates. For example, not running AVS on a keyed-in Visa credit card can result in a 64 percent rate increase, according to Visa's Interchange guide. Regular rate: ![CPS Retail Key Entry](https://blog.payjunction.com/hs-fs/hubfs/BLOG/BLOG%20IN-LINE%20IMAGES/CPS%20Retail%20Key%20Entry.png?width=743&name=CPS%20Retail%20Key%20Entry.png) Downgraded rate: ![Signature Preferred - Standard](https://blog.payjunction.com/hs-fs/hubfs/BLOG/BLOG%20IN-LINE%20IMAGES/Signature%20Preferred%20-%20Standard.png?width=740&name=Signature%20Preferred%20-%20Standard.png) The card brands try to limit fraud as much as possible, which is why Interchange rates increase for riskier transactions. By taking a card-not-present transaction and failing to implement any fraud prevention best practices, you’re acting as a bystander. With credit card AVS and CVV, you can catch a good portion of fraudulent transactions, resulting in better rates and fewer headaches for your business. ## Learn more about AVS downgrades. [![KEEP YOUR RATES LOW](https://no-cache.hubspot.com/cta/default/635739/3e20f7ee-187e-4769-ac5b-0c7f903ec772.png)](https://cta-redirect.hubspot.com/cta/redirect/635739/3e20f7ee-187e-4769-ac5b-0c7f903ec772) Were you surprised to learn that an AVS credit card match can lower your transaction costs? Let us know how you protect your business when running card-not-present transactions. *This piece was originally published on February 23, 2017.* [Security](https://blog.payjunction.com/topic/security) [Rates](https://blog.payjunction.com/topic/rates) [Questions and Answers](https://blog.payjunction.com/topic/questions-and-answers) --- ##### [![Credit Card Processing Basis Points — What Are They?](https://blog.payjunction.com/hubfs/BLOG/FEATURED%20IMAGES/credit-card-basis-points.svg) Credit Card Processing Basis Points — What Are They?](https://blog.payjunction.com/credit-card-basis-points) ##### [![What Are Credit Card Processing Fees?](https://blog.payjunction.com/hubfs/BLOG/FEATURED%20IMAGES/what-credit-card-processing-fees.svg) What Are Credit Card Processing Fees?](https://blog.payjunction.com/what-credit-card-processing-fees) ###### About Author ![Picture of Christina Lavingia](https://blog.payjunction.com/hs-fs/hubfs/Christina%20Lavingia%2c%20Content%20Marketing%20Manager.jpg?width=200&height=200&name=Christina%20Lavingia%2c%20Content%20Marketing%20Manager.jpg) ### Christina Lavingia Christina Lavingia delights in crafting content that helps business owners fight fraud, reduce risk and process payments with ease. ###### Related Posts ## [![What Are Credit Card Processing Fees?](https://blog.payjunction.com/hubfs/BLOG/FEATURED%20IMAGES/what-credit-card-processing-fees.svg) What Are Credit Card Processing Fees? As a business owner, you need to make a profit from the goods and services you provide in order to stay in business. This is why fees, especially for the privilege of simply accepting credit cards, can be so frustrating.](https://blog.payjunction.com/what-credit-card-processing-fees) ## [![Credit Card Processing Basis Points — What Are They?](https://blog.payjunction.com/hubfs/BLOG/FEATURED%20IMAGES/credit-card-basis-points.svg) Credit Card Processing Basis Points — What Are They? Every industry has its jargon, and credit card processing is no different. You are probably familiar with more-common terms just from bumping elbows with folks in the industry. These include Interchange, EIRF, downgrade and tiered. However, there are others that are used less frequently and are purposefully deceptive, such as settlement funding, padded dues and assessments, breach coverage security, etc.](https://blog.payjunction.com/credit-card-basis-points) ## [![How to Set Up Credit Card Processing for Small Business](https://blog.payjunction.com/hubfs/BLOG/FEATURED%20IMAGES/credit-card-processing-small-business.svg) How to Set Up Credit Card Processing for Small Business You run a small business and are ready to take the next step: accepting credit cards. Congratulations! 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