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What credit card checks and validations does ChargeBee have?

Does ChargeBee perform any card verification or checks during checkout to ensure customer's do not sign up with incorrect credit card details?


Best Answer
Yes, we do. 

Here's how the flow works when checking the card on the checkout page:

  • Customer enters card details.
  • ChargeBee uses an algorithm to check if the entered card number is valid.
  • If the validation succeeds, it is then sent to the gateway to perform verification. The gateway then does this using AVS (address verification system) through the issuing bank. There is also the authorization check done by the gateway which is a $0 or $1 charge applied and voided.
  • If all checks out well, the subscription is created and the customer is redirected to the return URL.
  • If either the validation or verification fails, the customer is shown the same checkout page and has the option to re-enter their details. There is currently no limit on the number of retry attempts. But if the retry attempt is unusually high, we are notified and we will notify you.



Besides the checks made on the hosted page by the gateway and ChargeBee, we do have internal monitoring and audits in place. This is to check on all the transactions and to ensure there aren't any issues.  If there are any issues with transactions such as connection timeouts between the gateway and our system or a server error, we are notified and we ensure that you are notified as well. 

We also send out daily reports to you that includes the number of failures as well as summary of the errors by card type.


Answer
Yes, we do. 

Here's how the flow works when checking the card on the checkout page:

  • Customer enters card details.
  • ChargeBee uses an algorithm to check if the entered card number is valid.
  • If the validation succeeds, it is then sent to the gateway to perform verification. The gateway then does this using AVS (address verification system) through the issuing bank. There is also the authorization check done by the gateway which is a $0 or $1 charge applied and voided.
  • If all checks out well, the subscription is created and the customer is redirected to the return URL.
  • If either the validation or verification fails, the customer is shown the same checkout page and has the option to re-enter their details. There is currently no limit on the number of retry attempts. But if the retry attempt is unusually high, we are notified and we will notify you.



Besides the checks made on the hosted page by the gateway and ChargeBee, we do have internal monitoring and audits in place. This is to check on all the transactions and to ensure there aren't any issues.  If there are any issues with transactions such as connection timeouts between the gateway and our system or a server error, we are notified and we ensure that you are notified as well. 

We also send out daily reports to you that includes the number of failures as well as summary of the errors by card type.

Hi, currently there are fields First/Last name on add card page, which can be set mandatory or optional.

What should be entered for corporate credit card which has company name on it?
Usually there is a single filed "Name as appear on card" on a lot of sites accepting cards.


Thanks.

Hey Pirozhkov,


When passing the name to the payment gateway, we merge the first name and last name contents and send it, and so a transaction would not be effected no matter how the customer fills in their name in the provided fields. You could disable the 'last name' field (from under Settings > Field configurations > Card information) and rename the 'first name' field as "Name as appear on card" (from under Settings > Text configurations > Card) in the web interface. This would allow the customers to enter the full name in a single field, but however First/Last name fields would not appear along with it.


Here's a screenshot for your reference:


At the moment, we do not have a default "Name as appear on card" field in Chargebee and I've added your recommendation as a feature request for our engineering team to consider. 


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