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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 CodeSummaryValue DescriptionVISAMasterCardAmerican ExpressDiscover
APartial MatchStreet address matches, but both 5-digit and 9-digit ZIP code do not match.XXXX
BPartial MatchStreet 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
DMatch

Street address and ZIP code match.

( International only )

X

X
FMatch

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
MMatch

Street address and ZIP code match.

( International only )

X

X
NNo MatchStreet address, 5-digit ZIP code, and 9-digit ZIP code all do not matchXXXX
PPartial 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
RSystem UnavailableRetry - Issuer's System Unavailable or Timed Out.XXXX
SNot SupportedU.S. issuing bank does not support AVS.
XX
USystem/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.

XXXX
WPartial 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

XMatch

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

YMatchStreet address and 5-digit ZIP code both match.XXXX
ZPartial MatchStreet address does not match, but 5-digit ZIP code matches.XXXX
0
Address verification was not requested.XXXX
1MatchCardholder name and ZIP code match.

X
2MatchCardholder name, address, and ZIP code match.

X
3MatchCardholder name and address match.

X
4MatchCardholder name matches.

X
5Partial MatchCardholder name incorrect and ZIP code matches.

X
6Partial MatchCardholder name incorrect, address and ZIP code matches.

X
7Partial MatchCardholder name incorrect and address matches.

X
8No MatchAll do not match.

X