SpectrumPayment Solutions
All terms
Security & ComplianceAlso: AVS

Address Verification Service

A check that compares the billing address entered at checkout with the one on file at the cardholder's bank. AVS is a simple, widely used fraud signal for card-not-present transactions, often combined with other checks.

AVS is one input among many. On its own it can create false declines, so it works best as part of a layered fraud strategy rather than a single gate.

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Related terms

Security & Compliance

3-D Secure

An authentication layer that asks the cardholder to verify identity with their bank during checkout, shifting liability for certain fraud away from the merchant. It can reduce fraud and chargebacks when applied where it makes sense.

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Security & Compliance

Card Verification Value

The short security code printed on a card that proves the buyer physically has it during a card-not-present sale. Requiring CVV is a basic, effective fraud check, and the code must never be stored after authorization.

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Chargebacks & Risk

Fraud Ratio

The percentage of transactions flagged as fraudulent, tracked separately from the chargeback ratio. High fraud ratios trigger their own network programs, so fraud tools that block bad transactions protect both metrics at once.

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