The Voice Authorization System (VAS) can be used to authorize a credit or debit card payment when your normal means of performing authorizations is unavailable or when you receive a “Call Center” response to a payment transaction.
It is important to understand that a “decline” response means the card issuer is unable or unwilling to provide an authorization on the cardholder’s account.
The card brands require all merchants to comply with the Payment Card Industry Data Security Standards (PCI DSS) which are designed to prevent the theft of sensitive cardholder data.
The following information will help you better understand EMV and prepare your business for the upcoming October 1, 2015 liability shift date.