Note:
Securetrading.com has the unique method of ear marking the funds for 
withdrawal if the CCV/AVS is incorrect.
They then notify you of this in the returned packet, and leave it up to 
you reverse the payment.
But you can't do this right away, oh no! Because their servers can take 
up to 15 mins to synchronise.



Mary Jo Sminkey wrote:
>> The CCV/AVS validation is usually optional in your merchant account
>> settings, you can enable/disable it.
>>     
>
> Correct, it's optional...but use of it reduces fraud, and often using it 
> reduces the merchant's rate as well. 
>
> --- Mary Jo
>
> 

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