AVS Codes

An issuing bank uses the AVS code to confirm that your customer is providing the correct billing address. If the customer provides incorrect data, the transaction might be fraudulent. The international and U.S. domestic Address Verification Service (AVS) codes are the Visa standard AVS codes, except for codes 1 and 2, which are Cybersource AVS codes. The standard AVS return codes for other types of payment cards (including American Express cards) are mapped to the Visa standard codes. You receive the code in the auth_avs_code response field. See Response Fields.

 

When you populate billing street address 1 and billing street address 2, Visa Platform Connect concatenates the two values. If the concatenated value exceeds 40 characters, Visa Platform Connect truncates the value at 40 characters before sending it to Visa and the issuing bank. Truncating this value affects AVS results and therefore might also affect risk decisions and chargebacks.

 

International AVS Codes

These codes are returned only for Visa cards issued outside the U.S.

Table 12International AVS Codes

Code

Response

Description

B

Partial match

Street address matches, but postal code is not verified.

C

No match

Street address and postal code do not match.

D & M

Match

Street address and postal code match.

I

No match

Address not verified.

P

Partial match

Postal code matches, but street address not verified.

U.S. Domestic AVS Codes

Table 13U.S. Domestic AVS Codes

Code

Response

Description

A

Partial match

Street address matches, but five-digit and nine-digit postal codes do not match.

B

Partial match

Street address matches, but postal code is not verified.

C

No match

Street address and postal code do not match.

D & M

Match

Street address and postal code match.

E

Invalid

AVS data is invalid or AVS is not allowed for this card type.

F

Partial match

Card member’s name does not match, but billing postal code matches. Returned only for the American Express card type.

H

Partial match

Card member’s name does not match, but street address and postal code match. Returned only for the American Express card type.

I

No match

Address not verified.

J

Match

Card member’s name, billing address, and postal code match. Shipping information verified and chargeback protection guaranteed through the Fraud Protection Program. Returned only if you are signed up to use AAV+ with the American Express Phoenix processor.

K

Partial match

Card member’s name matches, but billing address and billing postal code do not match. Returned only for the American Express card type.

L

Partial match

Card member’s name and billing postal code match, but billing address does not match. Returned only for the American Express card type.

M

Match

Street address and postal code match.

N

No match

One of the following:

nStreet address and postal code do not match.

nCard member’s name, street address, and postal code do not match. Returned only for the American Express card type.

O

Partial match

Card member’s name and billing address match, but billing postal code does not match. Returned only for the American Express card type.

P

Partial match

Postal code matches, but street address not verified.

Q

Match

Card member’s name, billing address, and postal code match. Shipping information verified but chargeback protection not guaranteed (Standard program). Returned only if you are signed to use AAV+ with the American Express Phoenix processor.

R

System unavailable

System unavailable.

S

Not supported

U.S.-issuing bank does not support AVS.

T

Partial match

Card member’s name does not match, but street address matches. Returned only for the American Express card type.

U

System unavailable

Address information unavailable for one of these reasons:

nThe U.S. bank does not support non-U.S. AVS.

nThe AVS in a U.S. bank is not functioning properly.

V

Match

Card member’s name, billing address, and billing postal code match. Returned only for the American Express card type.

W

Partial match

Street address does not match, but nine-digit postal code matches.

X

Match

Street address and nine-digit postal code match.

Y

Match

Street address and five-digit postal code match.

Z

Partial match

Street address does not match, but five-digit postal code matches.

1

Not supported

AVS is not supported for this processor or card type.

2

Unrecognized

The processor returned an unrecognized value for the AVS response.

3

Match

Address is confirmed. Returned only for PayPal Express Checkout.

4

No match

Address is not confirmed. Returned only for PayPal Express Checkout.