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CAVV Result Codes

The Cardholder Authentication Verification Value (CAVV) is a value that allows VisaNet to validate the integrity of the Verified by Visa (VbV) transaction data. These values are passed back from the issuer to the merchant after the VbV authentication has taken place. The merchant then integrates the CAVV value into the authorization request using the Purchase or Pre-Authorization with 3-D Secure transaction type.

  1. Merchant conducts Verified by Visa verification and receives CAVV value in response.
  2. Merchant sends the CAVV value to Moneris using the Purchase or Pre-Authorization with 3-D Secure transaction type and receives the CAVV result code in the response.
  3. The following table describes the contents of the CAVV data response and what it means to the merchant.

Table of CAVV Result Codes
Result Code Message What this means to you as a merchant…
0 CAVV could not be verified or CAVV data was not provided when expected For this transaction you may not receive protection from chargebacks as a result of using VBV as the CAVV was considered invalid at the time the financial transaction was processed. Please check that you are following the VBV process correctly and passing the correct data in our transactions.
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 verification—authentication The CAVV was confirmed as part of the financial transaction. This transaction is a fully authenticated VBV transaction (ECI 5)
3 CAVV passed verification—attempted authentication The CAVV was confirmed as part of the financial transaction. This transaction is an attempted VBV transaction (ECI 6)
4 CAVV failed verification—attempted 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.
6 CAVV not verified, issuer not participating in CAVV verification CAVV value was not verified, because the issueing bank does not participate in VBV
7 CAVV failed verification—attempted authentication Please check that you are following the VBV process correctly and passing the correct data in our transactions. Provided that you have implemented the VBV process correctly the liability for this transaction should be the same as an attempted transaction (ECI 6)
8 CAVV passed verification—attempted authentication The CAVV was confirmed as part of the financial transaction. This transaction is an attempted VBV transaction (ECI 6)
9 CAVV failed verification—attempted authentication Please check that you are following the VBV process correctly and passing the correct data in our transactions. Provided that you have implemented the VBV process correctly the liability for this transaction should be the same as an attempted transaction (ECI 6)
A CAVV passed verification—attempted authentication The CAVV was confirmed as part of the financial transaction. This transaction is an attempted VBV transaction (ECI 6)
B CAVV passed verification—attempted authentication, no liability shift The CAVV was confirmed as part of the financial transaction. However, this transaction does qualify for the liability shift. Treat this transaction the same as an ECI 7.
C CAVV was not verified—attempted authentication If 3-D Secure Authentication Results Code value is 07 in the CAVV and the issuer did not return a CAVV results code in the authorization response,
D CAVV was not verified—cardholder authentication If 3-D Secure Authentication Results Code value is 00 in the CAVV and the issuer did not return a CAVV results code in the authorization response