Welcome to PJ University, where we teach you how to use PayJunction like a pro. Today’s lesson is how to customize your processing details. Please note that you must be an account administrator to use this feature.
To begin, load the process page, then select which terminal you would like to customize from the account menu. Now, click the “Customize” link in one of the section headers. This will load a page with a variety of customization options.
Let’s start by editing the security and form settings. Here you can enable or disable the Address Verification System (AVS). If you enable this, you can choose from bypass, match address, match address or ZIP, match address and ZIP, or just the ZIP. Matching the address and ZIP code will lower your processing fees. We also have a "Smart" option which will only run AVS if the info is provided.
You can also enable or disable Card Verification Value, or CVV. If you chose the "Smart" option, CVV will only run if the information is provided.
Moving on to transaction fields, you can select the default action to be a charge, refund or authorize. There are a variety of fields that you can set to display, required or hide. These include shipping, surcharge, tax, tip, purchase order, invoice, notes or a custom label. If you chose the custom label, be sure to give it a name in the text box on the left. You can also enter a default value for this one in the text box on the right. Default values can also be added for surcharge, tax and tip.
The next section is billing contact fields. Like the previous section, you can set each of these fields to be displayed, required or hidden. You can also choose to display all, require all or hide all from the section header. The shipping contact fields section also follows this easy-to-edit format.
Once you are happy with your customizations, scroll to the bottom and click “Save Changes.” If you have changed your mind, you can also click “Cancel.”
Why CVV and AVS Customization Matters
Both CVV and AVS verify ownership of a card, but in different ways. AVS matches the address provided by the cardholder with the address the bank has on file. CVV, however, confirms that the purchaser has the physical card by verifying the three- or four-digit code on the card.
Setting CVV and AVS to “Required” on keyed-in transactions will help you detect fraudulent transactions. In combination with our remote signature capture, you’ll be armed with the best defenses against chargebacks.
Running AVS on card-not-present transactions will also lower your processing fees and prevent transactions from downgrading to a higher Interchange cost. Downgrades can add up quickly, so requiring AVS will help reduce your credit card processing fees.
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