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Section 10: Glossary <br />Credit Cards-A plastic card used to initiate a credit transaction for the purchase of goods and services. <br />Debit Cards-A plastic card used to initiate a debit transaction from a bank account for the purchase of goods and <br />services. <br />Receipt-A verification document to be printed duplicate and presented to the customer before credit card payment <br />can be accepted. <br />Address Verification Service (AVS)-A risk management tool that enables the County to verify the billing address <br />of a customer presenting a credit/debit card for payment. An A VS request is included with the transaction <br />authorization request. A code is returned by the Issuers indicating whether the address given by the cardholder <br />matches the address in the Issuers file. A partial or no-match indicates a fraud risk. <br />Card Verification Value (CVV)-A unique value calculated from the data encoded on the magnetic strip on a <br />credit/debit card, validating card information during the authorization process. The 3 digit, non-embossed number <br />printed on the signature panel on the back of the card immediately following the last four digits of the credit/debit <br />card account number. <br />Issuer-Financial institution that issues credit/debit cards to cardholders and with which each cardholder has an <br />agreement to repay the outstanding debt on the card. <br />Chargeback-A processed transaction that is later rejected by the customer and returned to the Acquirer. <br />Page 7 of 8 Pages Effective ____ _, 2019