doesn’t make much sense to me that my credit card company fails both the avs and the cvv2 security checks and still authorizes the transaction….. capital one is the card company and the payment processor is virtual merchant. was building a portal and did some heavy testing here. apparently my virtual merchant doesn’t fail any cards based on avs, what good is it to have known after the fact that the address someone put in didn’t match the credit card company’s address on file. similar with cvn…a fail here should be a direct fail, not a soft one that still charges me. i guess they’d rather the charges be incurred and then disputed. great policy.
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