# Credit Card Settings
You can choose to allow missing CCVs, skip address checks, and automatically charge processing fees as a surcharge by defining credit card processing preferences.
On the main Credit Cards window, next to Credit card processing, click the edit icon (blue pencil).
# Credit card processing mode
Use this setting to switch between live and test mode.
If you are using Stripe.com, and your original Stripe connection was made using the 'force test mode only' setting then you will need to disconnect and reconnect your stripe account to activate live mode successfully. See Connecting A Stripe Account for more details.
# Security preferences
By default, credit cards will require a CCV and address check. You can choose to skip these security precautions.
Allow missing CCVs - select this box if you want to process credit card numbers without a CCV. This setting only affects card entry from the back-end site (anywhere a Swipe card button is shown). Bidders will still need to enter the CCV security code online when entering their credit card details.
Suppress card address checks - select this box if you want to skip the address check.
# Credit Card fees handling
There are two types of credit card fees:
- Stripe processing fees range from $0.30 + 2.9% per transaction in North America.
- Auctria's processing fee ranges from 0.2% to 0.5% depending on your Auctria license level.
In total, credit card processing fees will range from $0.30 + 3.1% to 3.4% per transaction.
The default credit card fees handling mode is set to Normal, which means that the organization will absorb external credit card processing fees, and not pass these fees unto the purchaser.
Normal - the bidder is not charged an amount above their purchase price to include the additional processing fee amounts.
Surcharge - the bidder is charged for the fees, so that the deposit you receive will match the amount of the original purchase and what is owed.
To change the fee handling mode, click the triangle at the end of the Credit card fees handling box and select Surcharge.
In Normal mode, you will have the option to add credit card fees to the total during checkout.
If you click to add the fees, the surcharge is listed separately.
In Surcharge mode, the fees are automatically added and listed separately.
For more about processing fees, see Processing Fees.
# Save changes to preferences
When you are done making changes to Credit Card processing preferences, click the Save icon (check mark).