Overview

This menu item is visible for the following roles:

• Risk_Actions and Management (Action)
• Risk_ReadOnly (Read-Only)

The screen is visible to all merchants but only merchants that are registered to the service can use it.

The page currently contains four sections for configuration:

• Ethoca Alerts Settings
• Address Verification System (AVS)
• Card Verification Value (CVV)
• Collaboration Settings
• Dispute Settings

Ethoca Alerts

This toggle switch allows merchants to activate an automatic refund for Ethoca alerts. The merchant can define an amount in US dollars so that all requests that are equal to or less than the amount automatically receive the refund decision.

To set automated refunding for Ethoca alerts:

1. From the main menu select Risk > Risk Configurations.
2. From the dropdown, select the relevant client.
3. In the Ethoca Alerts area, set the toggle switch to On.
4. Enter the desired amount in the text box.
5. Press Save.

AVS and CVV

The toggle switches allow merchants to change the default configuration of which AVS and CVV codes are approved or declined.

Nuvei approves or sends filter error for the transaction based on the issuer decision and these AVS and CVV configurations, as shown in the table:

Control Panel Configuration	Issuer Transaction Result	Nuvei Transaction Result
Approve	Approve	Approve
Approve	Decline	Decline
Decline	Approve	Filter error
Decline	Decline	Decline

To customize the default AVS and CVV code response configuration:

1. From the main menu select Risk > Risk Configurations.
2. From the dropdown, select the relevant client.
3. In the Address Verification System (AVS) and/or Card Verification Value (CVV) area, set the toggle switch to On or press the Edit Configuration button; the AVS Settings/CVV Settings window opens.
   Press the information mark near the top of the window to see a list of acquirer banks to which the AVS/CVV configuration is applied.

4. Select which AVS/CVV codes to approve and which to decline.
5. Press Save and confirm.

Configuration Settings Summary

This section provides a summary of the AVS and CVV configuration settings, specifying default settings and non-editable settings.

AVS Configuration Settings

AMEX, Visa, Mastercard, JCB, PayPal, and Discover Codes

Code	Description	Default Configuration Setting
O	Address verification was not requested or it was requested but the transaction was declined.	Decline
A	The street addresses match but the postal/ZIP code does not, or the request does not include the postal/ZIP code.	Decline
N	No match. Transaction contained Postal/ZIP code only, or street address only, or postal code and street address. Also used when transaction requests AVS but sends no AVS data.	non-editable
R	Retry, system unable to process. (Domestic only)	non-editable
S	Service not supported. (Domestic only)	Decline
U	No data from Issuer/Authorization platform. (Domestic only)	Decline
Y	Street address and postal code match. (Domestic only)	non-editable
Z	Postal code matches; street address does not match or street address not included in request. (Domestic (All) And International (Visa only))	Decline

Visa, JCB, PayPal and Discover Codes

Code	Description	Default Configuration Setting
I	Address information not verified. (International only)	Decline

Mastercard, JCB, PayPal and Discover Codes

Code	Description	Default Configuration Setting
W	Nine character postal code matches; address does not. (Domestic (All) And International (Mastercard only))	Decline
X	Nine character postal code and address match. (Domestic (All) And International (Mastercard only))	non-editable

Visa Codes

Code	Description	Default Configuration Setting
B	Street Addresses match; Postal Code not verified because of incompatible formats (both street address and Postal Code were sent).	Decline
C	Street address and Postal Code not verified because of incompatible formats (both street and Postal Code were sent).	Decline
D	Street Addresses and postal codes match. (International only)	non-editable
F	Street Address and Postal Code match. Applies to UK-issued cards.	non-editable
G	Issuer is not an AVS participant, or AVS data was present in the request but issuer did not return an AVS result, or Visa performs AVS on behalf of the issuer and there was no address record on file for this account. (International only)	Decline
M	Street Address and postal code match. (International only)	non-editable
P	Postal Codes match; Postal code and street address were sent, but street address not verified due to incompatible formats.	Decline

AMEX Codes

Code	Description	Default Configuration Setting
1	Cardholder name and ZIP match. (Domestic only)	Decline
2	Cardholder name, address, and ZIP match. (Domestic only)	non-editable
3	Cardholder name, address match. (Domestic only)	Decline
4	Cardholder name matches. (Domestic only)	Decline
5	Cardholder name incorrect, ZIP matches. (Domestic only)	Decline
6	Cardholder name incorrect; address and ZIP match. (Domestic only)	Decline
7	Cardholder name incorrect; address matches. (Domestic only)	Decline
8	Cardholder name, address, and ZIP do not match.	non-editable

CVS Configuration Settings

Code	Description	Default Configuration Setting
M	CVV2/CVC2/CID - Match	non-editable
N	CVV2/CVC2/CID - No Match	non-editable
P	Not Processed	Decline
S	Merchant has indicated that Verification Code is not present on card	Decline
U	Issuer is not certified and/or has not provided Visa encryption keys	Decline

Collaboration Settings

The Collaboration settings is relevant for collaboration cases under Case Management. This involves responding to a refund request from Mastercard or choosing to ignore it, which carries the risk of getting a chargeback.

To customize the collaboration configuration:

1. From the main menu select Risk > Risk Configurations.
2. From the dropdown, select the relevant client.
3. In the Collaboration Settings area, set the toggle switch to On.
   It allows merchants to automate the process of issuing refunds to customers. When this toggle is enabled, it means that whenever a refund is initiated, the system automatically processes the refund.

4. Enter the amount in Lower than (amount in USD) to input an amount lower than the specified threshold (in USD). This threshold amount serves as the criterion for triggering the automated refund process.
5. Press Save and confirm.

Dispute Settings

The Dispute settings is relevant for Disputes under Case Management and Disputes Report. This toggle switch allows merchants to activate an automatic acceptance for Disputes. By default, it is in off state. The merchant can define an amount in US dollars so that Nuvei automatically accepts the case whenever the amount is lower than the configured amount.

To set automated acceptance for Disputes:

1. From the main menu select Risk > Risk Configurations.
2. From the dropdown, select the relevant client.
3. In the Dispute Settings area, set the toggle ‘Automated accept’ switch to On.
4. Enter the desired amount in the text box.
5. Press Save.