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We are excited to announce the launch of updated product names, logos, and headers within our user interfaces as part of the CivicPlus® Solution Rebranding initiative. These changes mark the first step toward creating a cohesive and seamless user experience across all solutions in our portfolio. As part of this transition, users may notice minor design updates. While the functionality you rely on remains unchanged, we are in the process of updating screenshots and other resources on our Help Centers to reflect the new branding. We appreciate your patience and understanding as we work to complete these updates.

CVC and AVS Overview

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What is CVC?

Card Verification Code (CVC), also known as CVV (Card Verification Value) or CVV2, is a three- or four-digit number printed on credit and debit cards. This code helps to verify that the cardholder has the physical card in their possession during transactions, especially for online or phone purchases.

  • Visa, MasterCard, and Discover: The CVC is the three-digit number located on the back of the card near the signature strip.
  • American Express: The CVC is the four-digit number located on the front of the card, usually on the right side above the card number.

 

CVC Codes
Code Description

M

 Match
N No Match
P Not Processed
S Should be on card but not so indicated
U Issuer Not Certified
X No response from association
Blank No CVV2/CVC data available for transaction.

 

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What is AVS?

Address Verification System (AVS) is a security measure used to verify the address provided by the cardholder during a transaction against the address on file with the credit card issuer. AVS checks the numerical part of the billing address, such as the street number and ZIP (Zone Improvement Plan) code.

 

Code Description
A Street address matches, ZIP does not
B Street address matches. Postal code not verified due to incompatible formats
C Street address and postal code not verified due to incompatible formats
D Street address and postal code both match (international-only)
E Information invalid or not allowed for this card type
F Street address and postal code both match (United Kingdom-only)
G Not verified for international transaction, or issuer does not support verification
I Not verified
M Street address and postal code both match (international-only)
N Neither street address or postal code matches
O Card member name and street address match
P Postal Code matches, street address unverifiable due to incompatible formats (international-only)
R Retry due to system not being available
S Not supported; if present, replaced with U (for domestic) or G (for international)
U Address information is unavailable
W 9-Digit ZIP matches, street address does not
Y 9-Digit ZIP and street address both match
X 5-Digit ZIP and street address both match
Z 5-Digit ZIP matches, street address does not

 

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