Address Verification Services (AVS)
The Address Verification System (AVS) is a system used to verify the address of a person claiming to own a credit card. The system will check the billing address of the credit card provided by the user with the address on file at the credit card company. AVS will automatically be performed on all transactions that have an address included in the BankCardTransaction request. After the transaction has been processed, you can obtain the results of the AVS check by invoking the getAVSResponse() method, which will contain one of the following values:
| AVS Code | Summary | Value Description | VISA | MasterCard | American Express | Discover |
|---|---|---|---|---|---|---|
| A | Partial Match | Street address matches, but both 5-digit and 9-digit ZIP code do not match. | X | X | X | X |
| B | Partial Match | Street address matches, but ZIP code is not verified due to incompatible formats. ( Both the street address and ZIP code were sent ) | X | X | ||
| C | Street address and ZIP code not verified due to incompatible formats. ( Both the street address and ZIP code were sent ) | X | X | |||
| D | Match | Street address and ZIP code match. ( International only ) | X | X | ||
| F | Match | Street address and ZIP code match. ( U.K. only ) | X | X | ||
| G | Address information is not verified for international transaction. | X | X | |||
| I | Address information not verified. | X | X | |||
| M | Match | Street address and ZIP code match. ( International only ) | X | X | ||
| N | No Match | Street address, 5-digit ZIP code, and 9-digit ZIP code all do not match | X | X | X | X |
| P | Partial Match | ZIP code matches, but street address is not verified due to incompatible formats. ( Both the street address and ZIP code were sent ) | X | X | ||
| R | System Unavailable | Retry - Issuer's System Unavailable or Timed Out. | X | X | X | X |
| S | Not Supported | U.S. issuing bank does not support AVS. | X | X | ||
| U | System/Information Unavailable | Address information unavailable. Returned if non-US. AVS is not Address not verified for domestic transaction. No AVS information is available on record. | X | X | X | X |
| W | Partial Match | For U.S. addresses, 9-digit ZIP code matches, street address does not. For non-U.S. addresses, ZIP code matches, street address does not. | X | |||
| X | Match | For U.S. addresses, street address and 9-digit ZIP code both match. For non-U.S. addresses, street address and ZIP code both match. | X | |||
| Y | Match | Street address and 5-digit ZIP code both match. | X | X | X | X |
| Z | Partial Match | Street address does not match, but 5-digit ZIP code matches. | X | X | X | X |
| 0 | Address verification was not requested. | X | X | X | X | |
| 1 | Match | Cardholder name and ZIP code match. | X | |||
| 2 | Match | Cardholder name, address, and ZIP code match. | X | |||
| 3 | Match | Cardholder name and address match. | X | |||
| 4 | Match | Cardholder name matches. | X | |||
| 5 | Partial Match | Cardholder name incorrect and ZIP code matches. | X | |||
| 6 | Partial Match | Cardholder name incorrect, address and ZIP code matches. | X | |||
| 7 | Partial Match | Cardholder name incorrect and address matches. | X | |||
| 8 | No Match | All do not match. | X |