PaymentsGrader.com

Allows card-not-present merchants to check a cardholder’s billing address with the card Issuer. The merchant includes an AVS request as part of the authorization and receives a result code indicating whether the address given by the cardholder matches the address on file with the Issuer.

The CVV2/CVC2 is a three-digit security code that is printed on the back of cards. The number appears in reverse italic at the top of the signature panel at the end. This program helps validate that a genuine card is being used during a transaction.

Card information such as expiration dates, account numbers and closed accounts change regularly. These changes are tracked and updated automatically, eliminating the need to contact the cardholder to obtain the current card information.

Third-Party fraud tools provide cardholder authentication and fraud detection services for online transactions.

Authorization recycling is the process of retrying failed authorization attempts. When a payment card authorization fails, merchants usually schedule additional authorization attempts before contacting the cardholder to avoid the risk of service/order cancellation or account closure.

Tokenization eliminates the need for a merchant to store cardholder account data, resulting in a significant reduction in the scope of a merchant's PCI compliance program.

A processor benchmarks the merchant's payment operation against its peers.

A processor conducts strategic reviews to help increase a merchant's revenue.