Scooter, is this with PayPal Payment Pro?
I would assume so since no c.c. details are entered during the checkout process on your site with paypal standard.
Actually, no. That would be totally against my anti-PayPal stance. The payment processing company is called Durango and they have you download two files - one for the payment module and the other in the Languages/english module - called "Gateway Services" that was supposed to work with CRE Loaded.
Although they had the line of code in the original (bad) file that told the module what to do if the verification code wasn't three digits and wasn't American Express, they were missing the line of code that identified a card as an American Express card. Now that it can determine if a card is American Express, all is good and it will accept a four digit verification code.