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