Internet Payment Gateway User Guide First Data Virtual Terminal

Card Security Code information
You enter the card code on the Point-of-Sale screen when processing an order. First Data
then compares the card code against the code on file with the card-issuing bank. Results of
this comparison show in the transaction approval code.
Virtual Terminal: Card Security Code field
To help combat fraud, card-not-present merchants (those who receive orders via mail order,
telephone order, or the Internet) should always enter a card security code (if on the card)
when processing an authorisation. For retail transactions, you may wish to enter the card
security code printed on the card to ensure that the card was not fraudulently reproduced.
A typical transaction result code might look like this. The card security code result is
highlighted.
0097820000019564:YNAM:12345678901234567890123:
The last alphabetic character in the middle (M) is a code indicating whether the card security
code matched the card-issuing bank's code. An "M" indicates that the code matched.
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