Bangalore, India
Update: Since mid-2012, we have changed our online order processing company from CCAvenue.com to 2Checkout.com
A couple of weeks back, we changed our credit card processing company from CCNow.com to CCAvenue.com . See post here.
CCNow.com is based in the USA while CCAvenue.com is based in India, and has to follow the rules and regulations set by our central bank, Reserve Bank of India.
Some of the new rules that are enforced by CCAvenue.com as part of the enhanced online security measures have resulted in some client orders being rejected, and has created confusion amongst everyone.
Through this post, we attempt to clarify the issues that you need to be aware of before you place your order with us through our CCAvenue.com gateway.
The first mandatory requirement for all Indian payment gateway orders to be processed successfully is that the card must be 3-D Secure. This means that you need an additional layer of authentication security which is provided by the user entering a username and password before the transaction can be completed successfully. The 3-D Secure authentication layer is known by several names depending on the card issuer. VISA calls is Verified by Visa, Mastercard calls it MasterCard SecureCode, JCB International calls is J/Secure and AMEX calls it as SafeKey. All these are implementations of 3-D Secure.
Cards which do not have 3-D Secure authentication will not be processed by CCAvenue.com
The success or failure of the whole payment process involves several agencies, regulatory bodies and institutions. There is the acquirer, the Issuing bank, the payment gateway, the card-user (you, the client) and the vendor (ourselves).
In the case of cards which do not meet the 3-D Secure criteria, it is rejected only when the transaction reaches CCAvenue.com. In other words, your order may appear to be successfully transacted but will be rejected by CCAvenue.com when it is post-processed. Your card will not be charged. Any debit made will be reversed. This has been a cause for unnecessary confusion as our payment gateway did not always inform the card-user or the vendor the exact reason for the failed transaction.
We have since informed them to follow more clearer reporting of reasons for failed transactions so that our users know the causes and are not in the dark about it.
The second mandatory requirement of our payment gateway is that the Address Verification Systems (AVS) compliance must be successful. This means that the system will check the billing address of the credit card provided by the user with the address on file at the credit card company. Please make sure you write the correct address in the payment screen which must be the same as the billing address on your card. If the AVS match fails, it will result in either your order being rejected or being sent to the risk management department who will then ask you for additional proof, or manual authorization, or require you to place the order once again with the correct matching address.
The third mandatory requirement is to write the correct CVV number of the credit card.
Lastly, the name on the credit card must match with the name as stored in the database of the card issuer. While this is not something an inidividual card-holder may make a mistake with, it is a common mistake made when corporate cards are used. The card holder's name on corporate cards must be exactly specified in the column meant for 'Card Holder Name'.
I hope that this post will make it easier for all of our customers who wish to place orders for our products and services using the CCAvenue.com gateway. If you still experience difficulties while placing orders, please do let me know. We want to improve the end-user experience while placing orders from the CCAvenue.com gateway and would like to work with them to convey any experience you have to make it an easy smooth process for all of us.
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