The decline code 82 “Negative CAM, dCVV, iCVV, or CVV results” for a credit card transaction indicates that the transaction was declined because the Card Authentication Method (CAM), dynamic Card Verification Value (dCVV), integrated Card Verification Value (iCVV), or the regular Card Verification Value (CVV) failed verification. Here’s what each component typically refers to:
- CAM (Card Authentication Method): This refers to a method used to authenticate the card information during the transaction to ensure it’s being used by the rightful owner.
- dCVV (dynamic Card Verification Value): A dynamic version of the CVV, this value changes with each transaction, providing an additional layer of security beyond the traditional, static CVV found on the back of credit cards.
- iCVV (integrated Card Verification Value): This is a variation of the CVV used mainly in chip-based cards. It differs from the magnetic stripe CVV to provide an extra security measure against card duplication or cloning.
- CVV (Card Verification Value): This is the 3 or 4-digit code typically found on the back of credit cards used to verify that the actual card is in the possession of the cardholder during non-face-to-face transactions.
If any of these verification checks fail during a transaction, it likely means the payment processor detected a mismatch or an error in the verification process, prompting a decline to prevent potential fraud.
