All web orders that go through Worldpay are checked and approved by the credit card company. As an additional layer of security, our Worldpay integration also provides AVS code (Address Verification Service code) information on the transaction. If you do web orders using Worldpay processing, please continue reading to see how to avoid potential fraudulent charges.
You can get to this part of the system by clicking on Products > Orders in the blue Admin Toolbar.
Web Checkout Method
As you most likely know, there are two methods for website checkout for the way the system takes payment. The first is the Sale method, where the funds are collected right away. The second is Authorization, where the funds are authorized but are not collected until you choose to do so.
For the purposes of avoiding fraudulent charges, the Authorization method is the best one, because the customer's card won't be charged before you have a chance to cancel the order. But if you are responsive to all of your web orders in a reliably short time frame, the Sale method can still work. In that case, however, the fraudulent charges will be in place and there is a risk of the authentic cardholder discovering the fraud and cancelling the card.
If you would like to change your checkout method, go to the Gear Button > Settings > Website Settings > Products and change it there (it is near the top), then be sure to click Save at the bottom. You will then need to call our Support team at 877-909-6699 and have us change it on our end so the admin part of the system is also set correctly.
Working With Web Orders and AVS Codes
Whenever a web order comes through, you will need to go to Products > Orders and click on its Transaction ID to open it. You will then see the order layout similar to the image above.
As you can see from the example above, sometimes the credit card companies allow charges to go through even when there is a mismatch on things like address and zip code. The AVS Code you will see on every transaction will just be a single letter. In this case, the N stands for No Match, and the system will always offer an explanation.
Here are the codes you will usually see on your web orders:
Y Address and ZIP Code Match
A Address Matches, ZIP Code Does Not
Z ZIP Code Matches, Address Does Not
N Neither ZIP nor Address Match
There are other codes you may get, but they are more rare, click here if you wish to see the full list.
What Do I Do When I Discover Fraud?
On the Transaction page, click the Update button in the Payment Details area. If the funds have already been collected, click the Refund button.
If you are using Authorization, in that same area, you will click on the Void button to cancel the order entirely.