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AVS Error Code made "explicitly clear" for Clover Terminals and Clover Virtual Terminal

After dealing with two different merchants, I strongly believe that when a transaction is rejected because of an AVS (Address Verification System) issue, then merchants should have a way to verify what the issue is. if such a way or reason is present, then it needs to become more explicitly obvious as it can be difficult to troubleshoot problems when one cannot find the exact reason code when calling technical support.

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Chris Harris shared this idea  ·   ·  Report…  ·  Admin →
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  • Brady Waite commented  ·   ·  Report

    I agree with Cory S 100%!

    There is currently no way for a Clover Merchant to prompt customers to enter their full Address information when they are completing a sale through the Clover Online ordering system. The merchant can only require their Zip Code.

    Someone posted about this with the title "AVS verification on the online ordering" which says "Completed". However, this has not been completed.

    If a Clover merchant has a fraudulent transaction placed through their Clover Online ordering system, then the Clover Chargeback department will ask them to provide evidence of a "full authentication response" or that a "valid 3D Secure response was received."

    The Clover Chargeback says "Our records indicate MasterCard 3D Secure was not utilized to authenticate this transaction or that a full authentication response was not received. To challenge this dispute, provide copies of all transaction documentation available to assist the cardholder in recognizing this transaction or provide proof that a valid 3D Secure response was received.

    Clover does NOT allow the merchant to get full AVS or 3D Secure from the customer which will make it literally impossible for a Clover Merchant to ever win a chargeback coming from Clover's online ordering system.

  • Cory S commented  ·   ·  Report

    To expand on the other posts related to a lack of AVS functionality. When AVS is used Clover should report the AVS response on receipts and somewhere on the dashboard. On many fraud related chargebacks the only compelling evidence an issuing bank will accept is proof of a positive AVS response. Merchants using Clover don't have anything that shows a positive AVS response...therefore don't have a way to reverse these types of chargebacks. Every other gateway, stand-alone payment device, software reports the AVS response on receipts. This lack of AVS reporting also limits the ability for the merchant to decide when to fulfill or cancel orders based on the response. Thanks,