TABLE OF CONTENTS
- What is a Card Type Verification Error
- What is an Error Code?
- How to Clear a CV Error Code
If youaccept card payments for your business, you may come across a CV error. The overwhelming majority of your credit card transactions will succeed and your customer will leave with the products they want. However, there are a few instances where a transaction won’t go through. In these cases, your credit card terminal will return one ofmany hold, decline, or error codesas a response. Understanding what this error code means and how to handle these situations can help you troubleshoot the issue for your customer and prevent you from missing out on a sale.
What is a Card Type Verification Error
The card type verification error, also called the CV error, means the type of card being used is not supported. It may mean your account does not allow you to accept payments of this type. These errors are most common with American Express and Discover cards. If not, this error could also indicate an issue with your merchant account.
The CV: card type verification error may also occur because of a CVV error. There may have been a problem during the CVVs/CID verification process. Perhaps the code was incorrect or mistyped. Whatever the issue, it occurred at the verification step of the payment process.
What is an Error Code?
An error code is a terminal message that indicates there was an issue when running a customer card. There are many possible reasons for a payment failure. An error code helps merchants better identify why the transaction could not go through.
Typically, the merchant receives limited information about why the payment failed. It’s often the card-issuing bank that will know the exact reason. Still, a merchant can use the error code information to determine some possible reasons for the issue. From here, they can try to troubleshoot and identify possible solutions to allow the customer to complete their purchase.
How to Clear a CV Error Code
If you get the card type verification error when attempting to process a payment, you have a few options. You can try to process the transaction after double-checking with the customer that the CVV2 or CID code was correct.
If it was correct, try completing the transaction without entering the CVV2 or CID number. That should let the transaction process normally. If this does not correct the issue, you may need to contact your merchant account provider. They can double-check your account to ensure it’s set up for this specific type of card.
In these cases, you can ask your customer for another form of payment while you work out the problem.
FAQs
Reasons for the Card Type Verification Error
What does failure CV mean on credit card machine? ›
The card type verification error, also called the CV error, means the type of card being used is not supported. It may mean your account does not allow you to accept payments of this type. These errors are most common with American Express and Discover cards.
What is declined CV card type verification error 12? ›
Also known as the "invalid transaction" code, a credit card error code 12 is given when the issuing bank does not accept a transaction. That's super vague, but it's true. The issuing bank is the bank that gave the customer their card, and a declined 12 code is sort of a catch-all for error codes.
What does it mean when your card says card error? ›
The card number entered is invalid. Not enough money on the card to authorize the transaction. Card expired or canceled by issuing bank. The cardholder's issuing bank has declined the authorization due to a restriction on the credit card or account.
Why is my card verification failed? ›
This can occur for a few different reasons: The 3-digit security code on the back of the Visa, MasterCard or Discover does not match what the card holder's bank has on file. For American Express this is the 4-digit code on the front of the card. The expiration date was entered incorrectly.
What is the CV code on a credit card? ›
Where Do I Find the CVV? Finding your CVV depends on the type of card you have. For Visa, Mastercard and Discover cards, you'll find the three-digit code on the back, usually inside or just above the signature strip. American Express does things differently, placing a four-digit CVV on the front, above the Amex logo.
What does CV mean on credit card? ›
The CVV, or Card Verification Value, is a three or four-digit number on your credit card designed to add an extra layer of security to purchases made online or over the phone. Because you're not physically presenting the card, this proves that you have a physical card and can help protect against identity theft.
What is the decline code CV? ›
Code CV: Card Type Verification Error
Also known as a CV error, the card type verification error means that the type of credit card used is not supported. The card type verification error may also mean that your account cannot accept payments of that type.
What is a decline code 12 on a credit card? ›
An decline code 12 means that the type of transaction you are trying to make is invalid or not supported. This frequently occurs when attempting to refund a credit card payment. Double check the payment type and payment information to make sure it's all correct.
Why doesnt my debit card have a CV? ›
Please note that debit cards do not have a security code since they can't be used for online purchases.
Your card may be declined for a number of reasons: the card has expired; you're over your credit limit; the card issuer sees suspicious activity that could be a sign of fraud; or a hotel, rental car company, or other business placed a block (or hold) on your card for its estimated total of your bill.
Why does my card keep saying failed? ›
Most declines fall into two categories: Soft declines – Card declined due to issues with transaction processing. The bank issuing funds approves the payment, but the transaction breaks down during the processing stages. Hard declines – Card declined by the bank due to lack of funds or outdated card information.
Why does my card reader keep saying error? ›
This means that there is a problem with your card's chip. Please try the below troubleshooting as this could resolve the card reader issue for you: Please check the card is entered the correct way - chip face up and entered first. Please check there's no dust is in the reader.
What does failure CV mean? ›
This error message appears when the card payment system fails to verify the type of card used for the transaction. The card's Card Verification Value (CV), which is a security feature used to verify the authenticity of a credit or debit card, is checked during the verification process.
What is the full form of CV in card? ›
The Card Verification Value (CVV), Card Security Code (CSC), Card Identification Number (CIN), or CVV2 are different names meaning the CVV.
Why is my card saying invalid card type? ›
The most common reasons for this error message are that the card is not being authorised by your bank or your address details do not match. Please ensure that your address is entered exactly as it appears on your bank statement, and that the card information is entered correctly.
What does CV of failures mean? ›
The concept behind the CV of failures was originally published in Nature by Melanie Stefan as a way to break down the shame surrounding failure and encouraging us to share openly to inspire others to become more resilient.
What are CV errors? ›
Spelling, Formatting and Grammar Mistakes: These are the three biggest CV errors usually made in CVs. The reader may easily discard your application if they are unable to make sense/navigate through your CV. This could turn a perfect, skilled candidate into a rejection.
What is the CV code on a debit card? ›
A CVV is a security code typically found on the back of your debit card on the signature panel. Locate it by flipping over your card and looking for the three or four-digit code on the back. Think of the CVV code as a way to authorize your purchases.
