Announcement

#2 · 12-01-03, 02:29 PM

New user needs help with Credit Card charges and Shipping Discount

From: [email protected] [mailto:[email protected]]=20
>=20
>=20
> I need to collect CVV (CID), numbers, (the 3 digit verification
> number off the back of the credit card), in order to submit
> credit card charges via my current credit card merchant
> service provider. Discover has instituted a $.50 charge for
> transactions that are submitted without the card holder
> verification numbers, (CVV). Eventually, MC/ Visa=20
> may do the same. I use the basic credit card module.

There are ways to do this, but it is against your merchant
account regulations to collect that number so if they ever
find out, you'll probably get your Merchant account pulled.
One way they can find out is if someone submits a chargeback
request and during the investigation they ask how you could
have had the CVV number to punch into your terminal when
the customer was not present.

>=20
> Also, in order to be competitive with some other
> merchants, I need to offer free shipping on orders
> over $50. Is it possible for the "store" to make
> that calculation automatically?

I believe you can use the stock price table based
shipping to set a $50 limit with a cost of $0.
You can activate that in your Shipping Configuration
of the store admin.

David
Hostasaurus.Com

#3 · 12-01-03, 02:31 PM

New user needs help with Credit Card charges and Shipping Discount

You can't collect the CVV yourself and keep it to manually process
transactions...
HUGE Fines for you and loss of your ability to take credit cards...
Search the archives of this list on this topic.
(<A HREF ="http://www.mvdevelopment.com)">http://www.mvdevelopment.com)</A>
If you are doing automated credit cards with a payment gateway, you can get
the cvv and immediately
pass it to the gateway... but you can not store it on your site or email it
or do anything except treat it like
a hot potatoe and pass it to a payment gateway.

There are lots of different shipping modules to charge shipping in different
ways. You can definitely do what you want with your shipping.

Kelly

----- Original Message -----
From: <[email protected]>
To: "Merchant Users" <[email protected]>
Sent: Monday, December 01, 2003 4:24 PM
Subject: [mru] New user needs help with Credit Card charges and Shipping
Discount

Hello list members,

I have been attempting to incorporate a Miva Merchant store as part of
my web site and ran into a few problems that I need help resolving.

I need to collect CVV (CID), numbers, (the 3 digit verification number
off the back of the credit card), in order to submit credit card charges
via my current credit card merchant service provider. Discover has
instituted a $.50 charge for transactions that are submitted without the
card holder verification numbers, (CVV). Eventually, MC/ Visa may do the
same. I use the basic credit card module.

Also, in order to be competitive with some other merchants, I need to
offer free shipping on orders over $50. Is it possible for the "store"
to make that calculation automatically?

Brad Luckenbill

[email protected]

#4 · 12-01-03, 02:33 PM

New user needs help with Credit Card charges and Shipping Discount

There are ways to do this, but it is against your merchant
account regulations to collect that number so if they ever
find out, you'll probably get your Merchant account pulled.

Why do module developers sell modules that collect that info then? I've
purchased modules from developers that require the CVV code in order to
process the order.

Kara

#5 · 12-01-03, 02:36 PM

New user needs help with Credit Card charges and Shipping Discount

The CVV is just passed to the gateway, not stored. If you were to look at
the order in the Payment Gateway, you would see the CC info minus the CVV
number. It is just used by the gateway to approve or decline a card during
the processing.

Julie

----- Original Message -----
From: "MM User List" <[email protected]>
To: "David Hubbard" <[email protected]>
Cc: "miva" <[email protected]>
Sent: Monday, December 01, 2003 3:33 PM
Subject: Re: [mru] New user needs help with Credit Card charges and Shipping
Discount

There are ways to do this, but it is against your merchant
account regulations to collect that number so if they ever
find out, you'll probably get your Merchant account pulled.

Why do module developers sell modules that collect that info then? I've
purchased modules from developers that require the CVV code in order to
process the order.

Kara

#6 · 12-01-03, 02:37 PM

New user needs help with Credit Card charges and Shipping Discount

From: MM User List [mailto:[email protected]]=20
>=20
>=20
>=20
> Why do module developers sell modules that collect that info=20
> then? I've purchased modules from developers that require
> the CVV code in order to process the order.

If there is a module out there written for the
explicit purpose of collecting the CVV code for
storage, then it's at the very least bad
judgement since they'd be helping the customer
make themselves liable to violations of the
card regulations.

David

#7 · 12-01-03, 02:39 PM

New user needs help with Credit Card charges and Shipping Discount

I'll bet you that payment module isn't storing the cvv code. If you bought a
payment module to connect to a particular gateway and it's a recent one or
recently upgraded one, then they will collect the cvv info in the checkout
process and pass it to the gateway, but they won't do not store it in a
database on your store.

If you had a module made or bought one that captures the cvv code so you can
use it later... the onus is on you if you get caught actually doing that ...
it's your merchant account and privedges at stake. Personally I won't risk
that. As a developer I wouldn't make one like that either... even if I'm
technically not the person doing the violating of the agreement... I'd be a
party to it and the credit card companies have deep pockets and well paid
lawyers on staff... something I don't have.

Kelly

----- Original Message -----
From: "MM User List" <[email protected]>
To: "David Hubbard" <[email protected]>
Cc: "miva" <[email protected]>
Sent: Monday, December 01, 2003 4:33 PM
Subject: Re: [mru] New user needs help with Credit Card charges and Shipping
Discount

>
> There are ways to do this, but it is against your merchant
> account regulations to collect that number so if they ever
> find out, you'll probably get your Merchant account pulled.
>
> Why do module developers sell modules that collect that info then? I've
> purchased modules from developers that require the CVV code in order to
> process the order.
>
> Kara
>
>

#8 · 12-01-03, 02:40 PM

New user needs help with Credit Card charges and Shipping Discount

I think I understand now it is only illegal to collect and store it but it
isn't illegal to collect it for the gateway to process immediately?

Kara
>
>
> Why do module developers sell modules that collect that info
> then? I've purchased modules from developers that require
> the CVV code in order to process the order.

If there is a module out there written for the
explicit purpose of collecting the CVV code for
storage, then it's at the very least bad
judgement since they'd be helping the customer
make themselves liable to violations of the
card regulations.

David

#9 · 12-01-03, 02:41 PM

New user needs help with Credit Card charges and Shipping Discount

From: MM User List [mailto:[email protected]]=20
>=20
> I think I understand now it is only illegal to collect and=20
> store it but it isn't illegal to collect it for the gateway
> to process immediately?
>=20

Correct, they want it to only exist in memory while the
card is approved or declined and then it disappears as
the order is finished or denied.

David

#10 · 12-01-03, 03:40 PM

New user needs help with Credit Card charges and Shipping Discount

It was Discover who told me to collect the CVV number and enter it into =
the
terminal by hand in order to prove that the customer did in fact =
possess the
card. The terminal programming was changed by my service to allow for =
hand
entry of CVV numbers.=20

I contacted my credit card merchant service and put your concerns and
comments before them. They were not aware of any legal restrictions =
with
requesting CVV numbers or recording them. I escalated the request for
conformation of this opinion to a manager and received the same opinion =
from
2 managers that there are no legal issues to collecting or recording =
CVV
numbers.

Not content with that explanation, I contacted VISA directly. There =
response
was somewhat different and a bit vague. To summarize: You can collect =
CVV
numbers for verification purposes, but a permanent record of those =
numbers
should not be kept. You can use an automated verification service or =
you can
have the CVV number sent as part of the credit card information, =
regardless,
the number should be deleted automatically or destroyed after the
transaction is submitted. It appears that it is not necessarily a legal
issue, but a question of liability and security.

So, now I am really confused, I trust the collective knowledge of the =
list
as it is you folks that deal with this on a daily basis. However, the
information I have received would suggest other options may exist.

I do know that many policies regarding internet sales have changed over =
the
last year and much of what I was told 2 years ago is no longer valid. =
It may
be easier just to pay the extra fee and not worry about it.

I am glad to hear at the least I can change the shipping calculation,
perhaps someone can share the method? I would like to know how I can =
change
the module to collect CVV numbers as well, although I may not =
incorporate
that change until I have examined the issue further.

Brad Luckenbill
[email protected]
=20

Announcement

New user needs help with Credit Card charges and Shipping Discount

New user needs help with Credit Card charges and Shipping Discount

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