You submitted a CVV2 verication request during authorization and received a “U” response
with a presence indicator of 1, 2, or 9 from a card issuer. This response means the card
issuer does not support CVV2.
You submitted a CVV2 verication request on a Mail/Phone Order Transaction or an
Electronic Commerce Transaction during authorization and received an “N” response with a
presence indicator of 1 from the card issuer. The issuer approved the transaction with the
no match response.
Card-Absent Merchants
Address Verification Service (AVS) and Card Verification Value 2 (CVV2)
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Dispute Protection.
Be familiar with the dispute response rights associated with the use of AVS and CVV2.
Specifically, your acquirer can provide a response for a disputed transaction for:
AVS:
– You received an AVS positive match “Y” response in the authorization message and
if the billing and shipping addresses are the same. You will need to submit proof of
the shipping address and signed proof of delivery.
– You submitted an AVS query during authorization and received a “U” response
from a card issuer. This response means the card issuer is unavailable or does not
support AVS.
CVV2:
–
–
Visa Secure Dispute Protection. Visa Secure provides merchants with cardholder
authentication on eCommerce transactions. Visa Secure helps reduce eCommerce fraud
by helping to ensure that the transaction is being initiated by the rightful owner of the Visa
account. This gives merchants greater protection on eCommerce transactions.
Visa Secure participating merchants are protected by their acquirer from receiving certain
fraud-related disputes, provided the transaction is processed correctly.
If: Then:
The cardholder is successfully
authenticated
The merchant is protected from fraud-related disputes, and can
proceed with authorization using Electronic Commerce Indicator (ECI)
2
of ‘5’.
The card issuer or cardholder is not
participating in Visa Secure
The merchant is protected from fraud-related disputes, and can
2
proceed with authorization using ECI of ‘6’.
Merchant does not participate or
doesn’t attempt to authenticate
The merchant is not protected from fraud-related disputes, but can
still proceed with authorization using ECI of ‘7’.
Liability shift rules for Visa Secure transactions may vary by region. Please check with your
acquirer for further information.
1
In certain markets, CVV2 is required to be present for all card-absent transactions.
2 A Visa Secure merchant identified by the Visa Fraud Monitoring Program may be subject to disputes Condition 10.5: Visa
Fraud Monitoring Program.
Dispute Management Guidelines for Visa Merchants | June 2024
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