Auto-decisioning rules and responses for Moneris Checkout

If you enabled the "Auto decision by Moneris" feature for the checkout as described in Configuring the checkout's "Payment security", please refer to the table below to inform your fraud-prevention tool configuration choices.

AVS = address verification service | CVV = card verification value11 | CAVV = cardholder authentication verification value

 

Fraud-Prevention Tool Enabled? Pass Response Mandatory? Deny Response Codes Description of Deny Response Codes
AVS Yes Yes C Full address, including postal code, submitted but not verified due to incompatible formats.
Yes I Address information not verified.
Yes N No match, or no billing information supplied.
Yes R Retry, system unable to process.
No N/A

AVS will be performed on address and postal code but no decision will be made by Moneris.

Note:      You may opt to decision manually.

No N/A N/A AVS not performed.
Postal code only Yes Yes C Postal code submitted but not verified due to incompatible formats.
Yes I Postal code submitted but not verified.
Yes N Postal code submitted. No match, or no billing information supplied.
Yes R Retry, system unable to process.
No N/A

Postal code verification will be performed, but no decision will be made by Moneris.

Note:      You may opt to decision manually

No N/A N/A AVS not performed.
CVV33May be referenced as "CVD" (card verification digits) on some reports and transaction pages. Always Yes N No match.
P Not processed.
S CVV22May be referenced as "CVD" (card verification digits) on some reports and transaction pages.May be referenced as "CVD" (card verification digits) on some reports and transaction pages. should be on card but no CVV was presented.
D

Invalid security code.

Note:      American Express & JCB only.

Other Invalid response code.
No N/A

CVV33May be referenced as "CVD" (card verification digits) on some reports and transaction pages will be performed but no decision will be made by Moneris.

Note:      You may opt to decision manually.

3D Secure Yes Always 0 CAVV could not be verified or CAVV data was not provided when expected.
B CAVV passed verification—attempted authentication, no liability shift.
No N/A N/A 3-D Secure not performed.

Kount

(Essential)

Always Always N/A

Moneris denies transaction requests based on the risk categories assigned to you upon your enrollment in the Moneris Kount Essential solution.

Note:      This setting cannot be changed as it is required for participation in the Moneris Kount Essential solution.

If Kount status code "A" (approve), "R" (review), or "E" (escalate) is accompanied by a Gateway response code that is less than "50", the transaction will be sent for authorization. However, Kount status code "D" (decline) or a Gateway response code that is equal to/greater than "50" will result in a declined transaction.

Kount

(Enterprise)

No N/A N/A
 
Kount risk inquiry not performed.
Yes Yes As per your rules
 

You determine rules and responses based on your risk portfolio. Moneris Checkout makes decisions based on an "Accept" or "Deny" notification from your rule configuration with Kount.

Note:     If Kount status code "A" (approve), "R" (review), or "E" (escalate) is accompanied by a Gateway response code that is less than "50", the transaction will be sent for authorization. (You may subsequently use Kount's Admin Portal to manually review the authorized transaction.)
However, Kount status code "D" (decline) or a Gateway response code that is equal to/greater than "50" will result in a declined transaction.

No As per your rules

You determine rules and responses based on your risk portfolio. Moneris Checkout will not make a decision based on these responses but will return the response from Kount to inform your post-transaction risk management.

Note:      All transactions will be sent for authorization, and Kount status code/response details will be included in every transaction's JSON receipt response. (You may manually review the Kount details for any transaction.)