Operations AR - Card Payment Attempts Reporting

All Card payment transaction logging records are visible in the Portal under the Payment Attempts screen. Each payment attempt includes both a request to the payment processor and a response from the processor, grouped together with a timestamp.

Clicking on these records will display the details in the request or response record; if it is a response record, these are specific responses provided by the payment processor.

This reporting allows you to check the details of a transaction for instances when a payment doesn’t go through to better assist customers. The Payment Attempts screen is limited to specific users that can be configured with access for security to sensitive information.

Accessing Payments Attempts

• Navigate to System > Payment Attempts.
• Click on the date of the payment records you’d like to view.

• A list of payment attempts and responses for that date will be displayed.
• Each request and its corresponding response are grouped together by timestamp.
• Clicking on a record will display its details.

Requests & Responses

• A payment request can contain information such as the amount, customer number, and invoice number.

Note: For Payments on Account, an invoice number will not be displayed since the payment is for multiple invoices. 

• The payment response can include amount, invoice number, and the result message

Declined Payments

• When a payment is declined, a “DECLINED” message will be displayed. Check  the AVS_Response and CVV2_Response fields for an error code. The response code in the field may vary depending on the payment processor. 
• In the example above showing “N” as the result, the address or zip code entered by the customer did not match the cardholder’s account and the payment was declined. Refer to the two tables below showing the AVS and CVV2/CVC2 payment response codes.  

The table below contains Address Verification System (AVS) payment responses for each card brand: 

AVS Code	Visa	Mastercard	Discover	American Express
A	Address matches, ZIP does not match	Address matches, ZIP does not match	Address matches, ZIP does not match	Address matches, ZIP does not match
B	Address matches, but ZIP not verified	N/A	N/A	N/A
C	Address and ZIP not verified	N/A	N/A	N/A
D	Address and ZIP match (International only)	N/A	N/A	N/A
E	AVS data is invalid or AVS is not allowed for this card type	N/A	N/A	N/A
F	Address and postal code match (UK only)	N/A	N/A	Address matches, card member name does not match
G	Non-U.S. issuing bank does not support AVS	N/A	N/A	N/A
I	Address information not verified for international transaction	N/A	N/A	N/A
K	N/A	N/A	N/A	Card member name matches
L	N/A	N/A	N/A	Card member name and ZIP match
M	Address and postal code match (International only)	N/A	N/A	Card member name, address, and ZIP code match
N	Address and ZIP code do not match	Address and ZIP code do not match	Address and ZIP code do not match	Address and ZIP code do not match
O	N/A	N/A	N/A	Card member name and address match
P	ZIP code matches, address unverifiable due to incompatible formats (International only)	N/A	N/A	N/A
R	System unavailable, retry	System unavailable, retry	System unavailable, retry	System unavailable, retry
S	AVS not supported	AVS not supported	AVS not supported	AVS not supported
T	N/A	N/A	9-Digit ZIP matches, address does not	N/A
U	Address information unavailable. Returned if the U.S. bank does not support non-U.S. AVS or if the AVS in a U.S. bank is not functioning properly.	Address information unavailable.	Address information unavailable.	Address information unavailable.
W	9-Digit ZIP matches, address does not	9-Digit ZIP matches, address does not	9-Digital ZIP matches, address does not	Card member name, ZIP, and address do NOT match
X	9-Digit ZIP and address match	9-Digit ZIP and address match	9-Digit ZIP and address match	N/A
Y	5-Digit ZIP and address match	5-Digit ZIP and address match	5-Digit ZIP and address match	5-Digit ZIP and address match
Z	5-Digit ZIP matches, address does not	5-Digit ZIP matches, address does not	5-Digit ZIP matches, address does not	5-Digit ZIP matches, address does not

The following table presents the CVV2/CVC2 Code Response Codes: 

CCV2/CVC2 Response Code	Definition
M	CVV2/CVC2 Match
N	CVV2/CVC2 No match
P	Not processed
S	Issuer indicates that the CVV2/CVC2 data should be present on the card, but the merchant has indicated that the CVV2/CVC2 data is not resent on the card
U	Issuer has not certified for CVV2/CVC2 or Issuer has not provided Visa with the CVV2/CVC2 encryption keys

https://developer.elavon.com/products/converge/v1/cvv2-cvc2-codes