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Visa and MasterCard have taken steps to ensure that issuers use card verification tools. In fact, Visa dictates that U.S. issuers must support CVV2 to maintain chargeback rights for fraud. As of April 2005, that will apply to international issuers as well. Currently, both U.S. and international issuers are subject to that rule under MasterCard.
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Tonya Carroll
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