How we process credit cards
The exact information you entered on the order form is directly copied into a virtual credit card terminal. We do not manually type your name, address, zip code, card number or any other info into the old type brick & mortar store desktop credit card terminal. Everything is done by Copy and Paste. There are no typos that could decline a sale by entering a wrong data.
We uses AVS Address Verification Software.
This credit card network program matches five NUMERICAL data points to avoid fraudulent sales. All that matters are these FIVE sets of numbers.
-1 Credit Card 16 digits - NUMBERS
-2 Expiration date - NUMBERS
-3 Three digit CVV Code (on the rear of the card) - NUMBERS
-4 Street Address or PO Box - NUMBERS
-5 Zip Code - NUMBERS
We use the command Control C to copy these NUMBERS and Control V to paste these numbers. No manual typing of NUMBERS - period. This negates entering a wrong number.
If all these NUMBERS match what the customers bank has provided to the Credit Card Authorization Network - the sale will be approved. If any one set of NUMBERS does not match - the sale is declined.
That's it. There is NO ARGUING. It's either Approved or Declined and we have no say in that decision. It's MC/Visa making that decision.
NOTE: HANDLING CHARGE: if you provide the wrong information for any of the FIVE sets of numbers there is a $10.00 handling charge added to delete the incorrect information from our database and then enter the proper information and then re-runs the card through the credit card authorization network a second time.
OR You can prepay with a US Postal Service Money Order and avoid the $10.00 handling charge.
BANKS CHURNING CVV DENIAL OF SALES
Churning is repeatedly processing the same credit card by banks to generate extra fees paid by merchants - since all transactions - declines, sales, refunds all generate fees in addition to the percent the banks deduct from the sale price.
Approximately 12% of our credit card authorizations are declined by the banks stating the wrong 3 digit security code was entered. Since the sales Transaction Report does not display or print out the 3 digit security code - the banks make this claim. I can prove they often lie when denying as sale for CVV code.
This happens so often that we have added data to the Transaction Report's Invoice # which is visible - not hidden in the report. The Invoice # now includes a hyphen followed by the 3 digit code. This appears on the Transaction Report we email to you when the bank says we entered the wrong 3 digit code.
When the bank lies and says we entered the wrong code, we will not run another card and generate another fee assessed to our merchant account. You have choice: prepay with a US Postal Service Money Order or add $10.00 for Additrional Handling.
I am fed up to my ears with these banks or Averify lying about CVV that require additional credit card processing.