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When Credit Card Verification is active on your site, an affected order is placed on hold ('pending') until credit card ownership has been verified. For registered users and customers, successful verification of a credit card means it can be used for subsequent orders without triggering further security checks. Also, if a registered user has multiple orders 'pending' against the same credit card, the system will release all orders upon its successful verification. Note that guest checkouts over the threshold amount will always trigger the verification process even when the credit card has been used before. . When the Credit Card Verification feature is active on your site, an affected order is placed on hold ('pending') until credit card ownership has been verified.

Credit Card Verification Feature Settings can be configured by your site's CMS administrators. The new 'enable immediate integration' option is available only to LTS sites and although this is user-enabled, we recommend you contact CV Support when setting up this option.

Prerequisites to using Credit Card Verification

Step-by-step guide to configuring

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Credit Card Verification 

These configurations define the verification method that will be used, the monetary threshold above which will flag applicable orders for verification,  

1. In CMS, navigate to Settings → Feature Management → Payment & Checkout.
   
   
2. Toggle on Credit Card Verification and click Configure.   
   
   
   
   
3. In The Credit Card Verification page, toggle on Enable Credit Card Verification.
   
   
   
4. Accept the default values or change them to match your business requirements.

Option	Default Value	Description	Override
Enable Immediate Order Integration	OFF	When turned onOFF, the verification process begins upon submission of the order. The order has the status 'pending' on the website only.  (For LTS customers only) When ON, upon order submission, the system will integrate the order to the ERP before the verification process is initiated. This allows Integration has the advantage of reserving ordered items in the order to be reserved for this order and prevent it from being purchased in another order. It is designed to be used with the ShortChange method. Does it need CV support to set up? When this option is OFF, the verification process begins upon submission of the order, and the order is on hold on the website only. ERP, marking them unavailable for other orders, online or offline.	Role level
Attempts Allowed	3	The number of times the user or customer can attempt to verify ownership by entering one of the split verification amounts charged to their credit card before the order is cancelled.	Role level
Percentage Split (of the order amount)	85	Applies to the Split Charge method only. The system will split the total amount payable by the user/customer into two charge amounts (the first split equalling this value +/- the Credit Card Verification Percentage Variant) , one of which they must enter . A correct split charge must be entered to verify credit card ownership.	Role level
Threshold Order Amount	250.00	The system will hold orders over this amount until the user/customer can verify credit card ownership.	Role level
Days to Hold Order	45	This value determines how long the Set the the number of days an order remains open until for the user validates to validate the credit card.	Role level
Usage Type	Customer	Set the Credit Card Verification settings against the user's login or a customer. Note - Guest Checkout users will always trigger a verification request whenever their order is over the Threshold Order Amount.	Role level
Verification Method	SplitChargeShortChange	Select SplitCharge or ShortChange. Split Charge - the system will separately charge the credit card twice in accordance with the nominated 'Percentage Split'. They appear as two charges with two cash receipts. The customer/user must be able to confirm one of the split charges to pass the verification check.   ShortChange (recommended) or SplitCharge Short Change - the system will charge the credit card once and the charge appears in a single cash receipt. However, a random amount between the 'Payment Amount' and 'Payment Amount - Max Short Charge Amount' is temporarily deducted in the charge. The  customer/user must be able to confirm either the 'short change' amount or the short charge amount. We recommend this method because it is more efficient in terms of  Split Charge (old method) - the system will charge the credit card twice in accordance with the 'Percentage Split' previously entered. They appear as two charges with two cash receipts. The customer/user must be able to confirm one of the split charges to pass the verification check.	Role level
Days Before Initial Reminder Email	2	Send an initial reminder email X days after the customer placed the order if they have not verified the credit card.
Days Before Subsequent Reminder Email	7	Send a follow-up reminder email X days after the initial reminder email if the customer has still not verified the credit card.
Notification Email	Blank	Enter the email address to which the system will send email notifications of orders pending, awaiting verification.
Online Team Email	Blank	Enter a team email address to which the system will send email notifications of orders pending, awaiting verification.	Role level
Order Integration Order Status	17	This value represents the order status 'pending'. If the 'enable immediate integration' is on, this value represents an order that has been integrated into ERPthe order status of 'pending' but unintegrated in the ERP.
Short Change Settings Max Short Change Amount	$1.00	Applies to 'ShortChange' option only. When ShortChange is selected as the verification method, then the system will deduct charge the payment amount minus a random amount off the total. This is value represents the maximum amount that can be deducted off the payment amount.

Add Overrides (optional)

An override allows you to specify an exception to a specific global setting for a certain feature. You can configure overrides at the role level for each of the marked options by clicking the Overrides option.

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