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AVS

Address Verification Service

AVS is a basic fraud prevention tool that will compare the numeric portions of the billing address as entered on a checkout against the address on file with the issuing bank. “For example, if your address is 101 Main Street, Highland, CA 92346, AVS will check 101 and 92346.” ¹⁾ AVS is configured in your gateway, but should always be used with caution as it can cause problems for international customers, and even in the countries that do support AVS ²⁾ the rate of false negatives (ie. AVS mismatches when the customer and/or billing address is valid) can be significant. If you enable AVS on your account we recommend keeping a close eye on the declines it generates, and setting it to the lowest threshold possible that makes sense to balance the risk of fraudulent orders against the risk of declining valid transactions.

Address Verification Service

Cleartext

“In the clear”

Cleartext refers to data that is stored or transmitted unencrypted. It could be said that opposite of cleartext is ciphertext.

Cleartext

Ciphertext

Generally, ciphertext is data that is encrypted. It could be said that the opposite of ciphertext is cleartext.

Ciphertext

Gateway

Payment Gateway

A payment gateway is one of the more complex pieces involved with an e-commerce transaction, as it sits in between your e-commerce platform (FoxyCart) and your customer's money (at their bank). When a customer submits their checkout, FoxyCart securely communicates with your store's gateway, which then determines what type of payment method is being submitted (Visa, MasterCard, American Express, etc.) and communicates with the appropriate system. This can lead to communicating with the issuing bank, determining if the transaction is ok based on the billing information entered, the AVS, other fraud controls, and etc., and then communicating back to FoxyCart, which in turn communicates the success or failure of the transaction to the customer.

Generally, once a day all of the transactions for the previous 24 hour period are “batched” to the merchant account, which continues the process and collects the appropriate funds that the gateway has already authorized and marked for capture.

Payment Gateways

MPI

Merchant Plug-In

An MPI is a separate piece of a payment flow that handles 3-D Secure verifications. Some gateways have 3-D Secure capabilities built into the gateway, while others require the use of 3rd party MPIs in order to handle 3-D Secure. (For example, PayPoint's 3-D Secure functionality is built into the gateway, but PayPal's Website Payments Pro (and Merchant eSolutions, and others) uses CardinalCommerce to handle 3-D Secure verifications.)

Merchant Plug-In