AVS Codes

When a processor supports AVS for a transaction’s card type, the issuing bank uses AVS to confirm that the customer has provided the correct billing address. If a customer provides incorrect information, the transaction might be fraudulent.

AVS occurs automatically with every authorization request. The authorization reply includes the

processorInformation.avs.code

field. This field contains the AVS code from the issuing bank that indicates whether AVS matched the address and whether the address match was partial or complete.

When AVS cannot verify the address, but the authorization is otherwise valid, you might receive an AVS decline. You can capture authorizations that receive an AVS decline. However, you must review these orders to ensure that they are legitimate. Settling authorizations that fail the AVS check can impact the fees charged by your bank. Contact your bank for more information about how AVS management might affect your discount rate.

The

processorInformation.avs.codeRaw

field is the raw AVS code sent directly from the processor. Do not use this value to handle the AVS response. Use it only for debugging purposes.

To ignore the AVS result, send with your authorization request the

processingInformation.authorizationOptions.ignoreAvsResult

field, set to

true

.

Contact customer support to request that your account always ignores AVS.

To enable relaxed requirements for address data and expiration date, contact customer support to have your account configured for this feature.