信用卡：授权前可以检查 AVS 吗？
这是一个关于信用卡处理的问题。我们正在使用 AVS，并发现每笔因 AVS 而失败的交易都会导致客户卡上的总金额被冻结。多次失败意味着多次搁置。
发生这种情况是因为 AVS 仅在 AUTH 完成后才进行检查。因此，如果 AVS 失败，则 VOID 就会完成。因此，您有一个 AUTH，然后是一个 VOID，这会导致保留。
由于我们的大多数客户都会进行大量购买，因此多次保留这一金额是一个真正的问题。我想问您的问题是：
可以在完成 AUTH 之前检查 AVS 吗？
这些暂停是针对所有商家还是只针对较小的商家？我从来没有遇到过这种情况，而且我经常在网上买东西。
我听说您可以执行 1 美元的 AUTH/VOID 来检查 AVS。这是处理问题的好方法吗？
欢迎任何建议。谢谢。
This is a question about credit card processing. We are using AVS and have found that each transaction that fails because of AVS causes a hold for the total amount to be placed on the customer's card. Multiple failures mean multiple holds.
This happens because AVS is checked only after the AUTH is done. So if AVS fails, then a VOID is done. So you have an AUTH followed by a VOID which results in a hold.
Since most of our customers make very large purchases, multiple holds for this amount are a real problem. My questions for you are:
Can AVS be checked before an AUTH is done?
Does these holds happen for all merchants or just smaller ones? I've never had this happen to me and I buy stuff online frequently.
I've heard that you can do an AUTH/VOID of $1 to just to check the AVS. Is this a good way to handle the problem?
Any suggestions are welcome. Thank you.
如果你对这篇内容有疑问，欢迎到本站社区发帖提问 参与讨论，获取更多帮助，或者扫码二维码加入 Web 技术交流群。
绑定邮箱获取回复消息
由于您还没有绑定你的真实邮箱，如果其他用户或者作者回复了您的评论，将不能在第一时间通知您！
发布评论
评论（3）
Visa 开始对 1.00 美元的交易收取“滥用授权”费用，并促使用户进行 0.00 美元的授权交易。因此，1 美元最终可能会花费您预期的更多费用。
看：
http://www.braintree paymentsolutions.com/blog/Visa-misuse-of-授权/
和
http://www.braintree paymentsolutions。 com/blog/Account-Verification-with-a-Zero-Dollar-Value-authorization-request/
我没有听说过处理者仍然持有失败的 AVS 交易的资金。这似乎不对。您是否尝试过与您的处理器/网关对话？
Visa is starting to charge a "misuse of auth" fee for those $1.00 transactions and is pushing users to a $0.00 auth transaction. So a $1.00 may end up costing you more you expect.
See:
http://www.braintreepaymentsolutions.com/blog/Visa-misuse-of-authorization/
and
http://www.braintreepaymentsolutions.com/blog/Account-Verification-with-a-Zero-Dollar-Value-authorization-request/
I hadn't heard of a processor still holding funds for a failed AVS transaction. That doesn't seem right. Have you tried talking to your processor/gateway?
按顺序回答：
问题1
一般不会。在进行 AVS 之前，您必须拥有一张有效的卡，而只有在您尝试获得资金后您才能知道这一点。
问题2
我以前一直处理这个问题，我们的正常付款是200+美元。这都是由于借记卡与信用卡的方式不同所致。
处理收费时，处理者会向银行询问资金是否可用（这是收费流程中的 AUTH 步骤）。如果是，这些资金将作为影子费用被搁置。在信用卡上，这些对客户来说是不可见的，并且通常不会产生任何影响。钱一开始就不存在（因此是信用卡）。
在带有 Visa 或 Mastercard 徽标的借记卡上，会发生完全相同的情况，但由于借记卡直接针对现金来源（支票账户），因此客户会看到这些保留。如果 AUTH 交易中未指定日期，那么银行最终将在几天后取消这些影子费用。
新的处理规则规定（至少从 Authorize.net 告诉我们要实施的规则来看），如果卡因任何原因被拒绝，无论是 AVS 失败、NSF 还是其他什么原因，您都必须立即将其作废以释放资金。资金可用但 AVS 失败？空白。在我离开之前的工作之前，我们准备实施这一计划，因为 Authorize.net 客户必须在 2011 年 5 月或 6 月之前将其落实到位。
Queston 3
就像 shf301 所说的那样，1 美元的授权将会受到反对。我想说你最好的选择是取消交易并立即释放资金。
To answer in order:
Question 1
Generally not. You have to have a valid card before you can do AVS, and you can't know that until after you try and get funds.
Question 2
I used to deal with this all the time, and our normal payment was $200+. This is all due to the way debit cards are different than credit cards.
When a charge is processed, the processor hits the bank and asks if the funds are available (this is the AUTH step in the charge process). If they are, the funds are put on hold as a shadow charge. On a Credit Card, these are invisible to the customer and generally don't impact anything. The money isn't really there (hence a Credit Card) to begin with.
On a Debit Card with the Visa or Mastercard logo, the exact same thing happens, but since Debit Cards go directly against a cash source (the checking account), the customer sees these holds. If no date is specified on the AUTH transaction, then the bank will eventually drop these shadow charges after a few days.
The new processing rules state (at least from what Authorize.net was telling us to implement) that if a card is declined for ANY reason, be it an AVS fail, NSF, whatever, you have to immediately void it to release the funds. Funds available but the AVS fails? Void. Before I left my previous job we were about to implement this as Authorize.net customers had until May or June 2011 to get it in place.
Queston 3
Like shf301 said, $1 auths are going to be frowned upon. I would say your best bet is to just void the transaction and release the funds immediately.
除非您的支付处理器支持仅进行验证的自定义方法，否则您需要按照您在延迟捕获 + AVS 场景中描述的大额票据金额进行操作...
最好的办法是先收取 0.01 美元，然后检查 AVS 结果。 ..很烦人，但消除了保留/无效问题...
unless your payment processor supports a custom method that does verification only, you'd need to do what you describe in a delayed capture + AVS scenario with large ticket amounts...
the best thing is to charge $0.01 first and check the avs result... annoying, but eliminates the hold/void issue...