How do I create CVC/CVV risk rules?

To create custom rules using the Card Verification System or Card Verification Value (CVS/CVV) condition navigate to your risk profile under Risk > Risk Profiles and then click on ‘Create new rule’.

You then need to decide whether to create a Pre-authoriation or Post-authorization risk rule. Select Post-authorization, as the CVV/CVC response can only be received after the issuer has authorized the transaction. 

Next, fill pick rule name, i.e. “CVC-CVV_Rule”. In this example we’re selecting the Block action and labeling the rule Fraud. You can also create Accept or Review rules based on your risk mitigation needs.

If you create a Block rule, please be aware that if you process virtual wallet payments on your merchant account, it is important to exclude them from the rule. Otherwise, the rule can still trigger for these payment methods even though no CVC/CVV response is received for them.

An example of how to exclude these payment methods is shown below:

Click on ‘Create new rule’ to enable it on your risk profile.