Credit Card Processing..what should be required?

[guanche]

I am in the process of reworking the Verisign Payment modules for Pay Flow Pro and Pay Flow Link so that they work with the latest checkout procedure changes and I would like some input from the community. My question: what are the Payment module fields that should be required from a customer using a credit card for payment at checkout? (Knowing customers do not like to type a lot

 

The old modules I contributed asked for:

 

1) credit card #

2) expiration date

3) CSC (credit card security code, 3 digit code on back of card)

 

In new module should I?

 

1) require a field of something like "Card Holder's Name", with right coding it could be auto-filled with customer's name already or they could edit it?

2) should CSC be required, is this a very good measure to help prevent fraudulent transactions? I have the option to switch this on/off in the Admin

3) What else should be thought of here, any suggestions? or am I thinking about this too much?

[dreamhost]

I am in the process of reworking the Verisign Payment modules for Pay Flow Pro and Pay Flow Link so that they work with the latest checkout procedure changes and I would like some input from the community. My question: what are the Payment module fields that should be required from a customer using a credit card for payment at checkout? (Knowing customers do not like to type a lot

 

The old modules I contributed asked for:

 

1) credit card #

2) expiration date

3) CSC (credit card security code' date=' 3 digit code on back of card)

 

 

quote']

 

there are other required fields in order to get it processed

1. firstname

2. lastname

3. address

4. state

5. zip

 

all of these are absolutelly required to process

being that the transactions are net based it's also nice to get a valid email address and phone number. The email address allows us to send confirmations.

[rubygirl]

As for cc processing - these are required fields:

 

Full Name

 

Billing Address of CC including address and full zip - shipping address is always a given for obvious reasons, but processors need to verify the billing address of the credit card - this is called AVS - which includes checking the numeric portion of the address plus the zip code -AVS is only supported for US based cc - there is no AVS for international cc recognized by Visa/Mastercard as of yet.

 

CSC - which is actually referred to as CVV2 - this is the back 3 numbers for Visa/Mastercard - the CVV2 for Amex is actually 4 numbers and is on the front of the card

 

 

As far as whether or not anything prevents fraud - i wish it were that easy - in reality it is simply the processor that requires the information - it is their way of feeling warm and fuzzy that you are "trying" to prevent fraud -without that information- the merchant will be "downgraded" or upcharged for that transaction by at least 1.5% -

 

so to make merchants and processors happy - the above is required.