Relaxed Requirements for Address Data and Expiration Date in Credit Card Transactions

To enable relaxed requirements for address data and expiration date, contact CyberSource Customer Support to have your account configured for this feature.

Historically, this data was mandated by CyberSource. With the advent of digital payments and an increasingly global e-commerce environment, CyberSource decided to relax the requirements for address data and expiration date.

Services

  • Authorization
  • Capture
  • Stand-alone credit
  • Subscription create
  • Subscription update

Processors

  • American Express Direct
  • Chase Paymentech Solutions
  • Comercio Latino
  • Credit Mutuel-CIC
  • CyberSource through VisaNet
  • Elavon
  • Elavon Americas
  • FDC Compass
  • FDC Nashville Global
  • FDI Australia
  • FDMS South
  • Getnet
  • GPN
  • Ingenico ePayments (previously Global Collect)
  • OmniPay Direct
  • Rede
  • SIX
  • Worldpay VAP

Important

When relaxed requirements for address data and expiration date are enabled for your CyberSource account, and your service request does not include one or more of the fields in the following list, you increase the risk of declined transactions and fraud depending on your location, your processor, and the cardholder's issuing bank.

It is your responsibility to determine whether a field is required for the transaction you are requesting. For example, effective October 2014, an issuing bank can decline an authorization request for a recurring transaction with a Visa Europe card if the expiration date is incorrect, invalid, or missing. If you do not provide the correct expiration date for a recurring transaction the authorization request may be declined.

Address Fields

  • billTo_city
  • billTo_country
  • billTo_email
  • billTo_firstname
  • billTo_lastname
  • billTo_postalCode: when you include this field in your request, you must also include billTo_country except on Chase Paymentech Solutions, CyberSource through VisaNet, FDC Compass, FDC Nashville Global, and GPN.
  • billTo_state
  • billTo_street1

Expiration Date Fields

  • card_expirationMonth:
    • When you include this field in your request, you must also include card_expirationYear except on Chase Paymentech Solutions, FDC Compass, FDC Nashville Global, and GPN.
    • You can submit an expiration date that has expired on Chase Paymentech Solutions, CyberSource through VisaNet, FDC Compass, FDC Nashville Global, and GPN. This exception does not apply when you combine any of the services listed above with any other service.
    • card_expirationMonth is required for payment network token transactions and subscription creation requests.

  • card_expirationYear:
    • When you include this field in your request, you must also include card_expirationMonth except on Chase Paymentech Solutions, FDC Compass, FDC Nashville Global, and GPN.
    • You can submit an expiration date that has expired on Chase Paymentech Solutions, CyberSoure through VisaNet, FDC Compass, FDC Nashville Global, and GPN. This exception does not apply when you combine any of the services listed above with any other service.
    • card_expirationYear is required for payment network token transactions and subscription creation requests.

Address Fields

  • bill_address1
  • bill_city
  • bill_country
  • bill_state
  • bill_zip: when you include this field in your request, you must also include bill_country except on Chase Paymentech Solutions, CyberSource through VisaNet, FDC Compass, FDC Nashville Global, and GPN.
  • customer_email
  • customer_firstname
  • customer_lastname

Expiration Date Fields

  • customer_cc_expmo: 
    • When you include this field in your request, you must also include customer_cc_expyr except on Chase Paymentech Solutions, FDC Compass, FDC Nashville Global, and GPN.
    • You can submit an expiration date that has expired on Chase Paymentech Solutions, CyberSource through VisaNet, FDC Compass, FDC Nashville Global, and GPN.
    • customer_cc_expmo is required for payment network token transactions and subscription creation requests.

  • customer_cc_expyr:
    • When you include this field in your request, you must also include customer_cc_expmo except on Chase Paymentech Solutions, FDC Compass, FDC Nashville Global, and GPN. 
    • You can submit an expiration date that has expired on Chase Paymentech Solutions, CyberSource through VisaNet, FDC Compass, FDC Nashville Global, and GPN.
    • customer_cc_expyr is required for payment network transactions and subscription creation requests.

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