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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
X Match Street address and 9-digit ZIP code both match   X    
Y Match Street address and 5-digit ZIP code both match X X X X
A Partial Match Street address matches, but both 5-digit and 9-digit ZIP code do not match X X X X
W Partial Match Street address does not match, but 9-digit ZIP code matches   X   X
Z Partial Match Street address does not match, but 5-digit ZIP code matches X X X X
N No Match Street address, 5-digit ZIP code, and 9-digit ZIP code all do not match X X X X
U System/Information Unavailable

Address information unavailable. Returned if non-US. AVS is not
available or if the AVS in a U.S. bank is not functioning properly

Address not verified for domestic transaction. No AVS information is available on record.

X X X X
R System Unavailable Retry - Issuer's System Unavailable or Timed Out. X X   X
E Invalid AVS data is invalid X      
S Not Supported U.S. issuing bank does not support AVS X X X