Fraud & Security
We’re there with tools and strategies to help you combat fraud. We help merchants recognize and prevent fraud before it happens, and arm them with tools and support to manage when it does. For Financial Institutions, help protect your cardmembers from fraud and insulate your revenue. Through our multi–layered fraud prevention tools and services.
For Financial Institutions
Card Identification FeaturesIdentify the security features built right into every Discover card.
Card Identification Data (CID)The three-digit CID provides an additional layer of security to ensure the card was in the possession of the cardmember at the time of purchase.
Card Present TransactionsLearn effective strategies to prevent fraud when you’ve got the card in hand.
Address Verification Services (AVS)
To limit fraud on card not present transactions, we require merchants to capture the cardmember’s address for verification.
Card Not Present TransactionsRecognize suspicious behaviors and common risks for sales when the card is not present such as online or by telephone.
Address Change Notification (ACN)Minimizes the risk of account takeover fraud. Merchants requesting an AVS in the authorization message are sent an ACN. The ACN indicates the number of days since the last cardholder billing address change, if the change was within the last 45 days.
Fraud Prevention FAQGet helpful answers to the most common questions about how you and your employees can recognize and prevent fraud.
Card Verification Value (CVV)A unique value encoded on the magnetic stripe by the issuer provides protection against counterfeit cards.
PCI OverviewIn order to help protect the integrity of cardholder data, Discover requires all merchants to remain PCI compliant.
Code 10: Suspicious SituationsMerchants who become suspicious during a card present transaction can phone in a Code 10 authorization request, which alerts the issuer and protects the cardmember. Our automated authorization line will automatically connect the merchant to the appropriate issuer.
Identifying Your Merchant LevelFind out what merchant level your business corresponds to and determine your compliance validation and reporting requirements.
100% Authorization RequirementWe protect profits by requiring authorization on all transactions.
Determining Validation and Reporting RequirementsOnce you’ve determined your merchant level, it’s easy to find out your validation and reporting requirements.
Stand-in FunctionalityAssists participating issuers with providing merchants authorizations when systems are down.
Performing a PCI DSS Compliance AssessmentDetermining your compliance includes testing business facilities, system components, and verifying security of third party service providers.
Fraud Awareness & Alert ReportingReceive proactive warnings about high-risk authorization activity plus regular updates on fraud trends.
First-Time PCI Compliance AssessmentsIf you’re performing a PCI DSS assessment for the first time, here are tools and resources to provide guidance and assistance.
Tools to Assist with AssessmentsAccess tools and resources to provide guidance and assistance for undergoing your PCI DSS assessment.
Education and TrainingBrowse the educational and training materials we make available to help you understand the compliance assessment process and your place in it.