How is the cardholder verification mode of a transaction determined?

There are different cardholder verification method (CVMs) that can be used to authorize a transaction. These depend on the used card, the acquirer that is used to process a transaction and (for contactless transactions) the transaction amount.

It is not possible to influence the CVM with the Payworks SDK or the card terminal.

The following CVMs are currently supported:

Cardholder Verification Method Explanation
PIN  The cardholder enters the PIN on the card terminal to authorize the transaction. Depending on the card and acquirer, the PIN is either validated offline (on the card terminal) or online (in a secure environment).
Signature The cardholder authorizes the transaction by providing a signature on the paper merchant receipt or on the screen.

Cardholder Device / On Device CVM (CDCVM / ODCVM)

This is for transactions that are done with devices that are emulating a card (e.g. Apple Pay or Android Pay).

The cardholder authorizes the transaction on the device, e.g. with the iPhone's Touch ID fingerprint sensor or a secure passcode.

None

For contactless transactions with an amount below a certain limit no CVM needs to be provided.

For example, in the Euro countries, this limit is 25 EUR. This means all transactions below 25 EUR don't require any CVM. Transactions higher than 25 EUR will ask for a different CVM (PIN or signature).

 

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