CAVV Result Codes

The Cardholder Authentication Verification Value (CAVV), the Accountholder Authentication Value (AAV), and the American Express Verification Value (AEVV), are the values that allows Visa, Mastercard and American Express to validate the integrity of the Visa Secure, Mastercard Identity Check and American Express SafeKey transaction data. These values are passed back from the issuer to the merchant after the authentication has taken place. The merchant then integrates the CAVV/AAV/AEVV value into the authorization request using the Purchase or Pre-Authorization with 3-D Secure transaction type.

1. Merchant conducts 3D-Secure authentication request and receives CAVV/AAV/AEVV value in response.
2. Merchant sends the CAVV/AAV/AEVV value to Moneris using the Purchase or Pre-Authorization with 3-D Secure transaction type and receives the CAVV result code in the response.

The following table describes the contents of the CAVV data response and what it means to the merchant.

Visa CAVV Result Codes

Result Code	Message	What this means to you as a merchant
Blank	CAVV not present or not verified	Not a Visa Secure transaction. No liability shift and merchant is not protected from chargebacks
0	CAVV authentication results invalid	Not a Visa Secure transaction. No liability shift and merchant is not protected from chargebacks
1	CAVV failed validation (authentication)	Provided that you have implemented the VBV process correctly the liability for this transaction should remain with the Issuer for chargeback reason codes covered by Verified by Visa.
2	CAVV passed validation (authentication)	Fully authenticated transaction. There is a liability shift and the merchant is protected from chargebacks.
3, 8, A	CAVV passed validation (attempt)	Visa Secure has been attempted. There is a liability shift and the merchant is protected from certain card fraud-related chargebacks.
4, 7, 9	CAVV failed validation (attempt)	Visa Secure has been attempted. There is a liability shift and the merchant is protected from certain card fraud-related chargebacks.
6	CAVV not validated - Issuer not participating	Visa Secure has been attempted. There is a liability shift and the merchant is protected from certain card fraud-related chargebacks.
B	CAVV passed validation; info only	Not a Visa Secure transaction. No liability shift and merchant is not protected from chargebacks
C	CAVV was not validated (attempt)	Visa Secure has been attempted. There is a liability shift and the merchant is protected from certain card fraud-related chargebacks.
D	CAVV was not validated (authentication)	Visa Secure has been attempted. There is a liability shift and the merchant is protected from certain card fraud-related chargebacks.

Mastercard CAVV Result Codes

Result Code	Message	What this means to you as a merchant
0	Authentication failed	Not a Mastercard Identity Check transaction. No liability shift and merchant is not protected from chargebacks
1	Authentication attempted	Mastercard Identity Check has been attempted. There is a liability shift and the merchant is protected from certain card fraud-related chargebacks (international commercial cards excluded).
2	Authentication successful	Fully authenticated transaction. There is a liability shift and the merchant is protected from chargebacks.

American Express CAVV Result Codes

Note: American Express SafeKey is only available to American Express direct acquired merchants (i.e., not OptBlue merchants). Any questions pertaining to chargebacks, liability and disputes should be addressed to your American Express representative given American Express is the acquirer of record for these merchants

Result Code	Message
1	AEVV Failed - Authentication, Issuer Key
2	AEVV Passed - Authentication, Issuer Key
3	AEVV Passed - Attempt, Issuer Key
4	AEVV Failed - Attempt, Issuer Key
7	AEVV Failed - Attempt, Issuer not participating, Network Key
8	AEVV Passed - Attempt, Issuer not participating, Network Key
9	AEVV Failed - Attempt, Participating, Access Control Server (ACS) not available, Network Key
A	AEVV Passed - Attempt, Participating, Access Control Server (ACS) not available, Network Key
U	AEVV Unchecked