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  1. PayJunction Support
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  3. Security Settings

Can PayJunction Charge a Credit Card Even if CVV Doesn't Match?

Yes, you can still accept a transaction even if your security settings have declined a transaction due to an CVV mismatch (so long as the transaction has not settled yet).

IMPORTANT: This is only possible when PreAuthorize is set to OFF in your Account Settings.

A CVV Mismatch is a fraud screening indicator; if you override and force a transaction through that was originally declined due to a mismatch, you are assuming all responsibility and risk associated with that transaction.

Step-By-Step Instructions

You may override your security settings on a per transaction basis either at the time of the transaction, or by editing the transaction details prior to the transaction settling.

To override your security settings at the time of the transaction:

  1. Click the Process button on the left of the page.
  2. Fill out the transaction form, and click the green Process button at the bottom.

  3. If the transaction is declined due to a CVV mismatch, you will be prompted with an option to override the decline:

    VT - PROCESS - CVV DECLINE POP-UP TRUST.png
  4. If you trust the customer then click "Trust & Charge" - the transaction will go through without the CVV security check.
  5. If you don't trust the customer, then click "Update & Retry" and proceed to gather a new card from the customer to try again. You can also click "Cancel" to bring up a fresh New Transaction screen.

Note, if you are not allowed to override the security settings, the option to override will not be present.

To override your security settings after the transaction has been processed and prior to settlement time:

  1. Click Recent to view the recent transactions.
  2. VT - PROCESS - SHOW RECENT BUTTON RED.png

  3. Locate the transaction that was recently declined for CVV, denoted by the red circle next to the payment type.

    VT - PROCESS - CVV DECLINE - TRXN EXAMPLE RED.png

  4. Roll over the transaction with the red circle to get the bank response for that decline.

    VT - PROCESS - CVV DECLINE - TRXN HOVER POP-UP.png

  5. Then click on the View button in that pop-up window to bring up the full Transaction Details page.

    VT - PROCESS - CVV DECLINE - TRXN HOVER POP-UP RED.png

  6. Click Approve Transaction at the top of the screen in the red box.

    VT - PROCESS - APPROVE TRXN BUTTON.png
  7. If you are not allowed to override the security settings, this option will not be present.

For more information on permanently adjusting your Card Verification Data security settings, see CVV Settings.

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