What constitutes a 'Card Not Present Transaction' for Even Hotels?
Even_Hotels Franchise · 2025 FDDAnswer from 2025 FDD Document
Security features such as CAPTCHA, velocity filters, the Address Verification Service, and requiring a Card Verification Code for Card Not Present Transactions can help combat fraud.
Using AVS when submitting Authorization requests for Card Not Present Transactions can help you identify potentially fraudulent transactions and can help lower Card Organization interchange rates, but it does not guarantee a transaction is valid and the AVS response does not impact whether an Authorization request is approved or denied.
We may charge you an AVS fee for any AVS request you submit, even if we are not able to provide a response to the request.
You are responsible for all Chargebacks, Third Party Based Fees, Servicers Fees, and other amounts arising from fraudulent activity processed through your Merchant Systems and/or your Merchant Account (regardless of any AVS response that you receive).
Source: Item 23 — RECEIPTS (FDD pages 99–438)
What This Means (2025 FDD)
According to Even Hotels' 2025 Franchise Disclosure Document, security features like CAPTCHA, velocity filters, the Address Verification Service (AVS), and requiring a Card Verification Code are measures that can help combat fraud, particularly in 'Card Not Present Transactions'. This implies that a 'Card Not Present Transaction' is one where the physical credit card is not presented at the time of the transaction.
For Even Hotels franchisees, this is relevant because the FDD highlights the importance of using AVS when submitting authorization requests for these types of transactions. Utilizing AVS can help identify potentially fraudulent transactions and may lead to lower interchange rates. However, the document clearly states that AVS does not guarantee the validity of a transaction, and the AVS response has no bearing on whether an authorization request is approved or denied.
Even Hotels franchisees should also be aware that they may incur an AVS fee for each request submitted, regardless of whether a response is received. Ultimately, the franchisee is responsible for all chargebacks, third-party-based fees, servicer fees, and other amounts resulting from fraudulent activity processed through their merchant systems, irrespective of any AVS response received. This underscores the need for franchisees to implement robust security measures and fraud prevention strategies for transactions where the card is not physically present.