Address Verification System

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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. The other security features for the credit card include the CVV2 number.

AVS is used when the merchant verifies credit card data, such as billing address and zip code, against the Visa/MasterCard billing information of the cardholder.[1] AVS verifies that the billing address of the credit or debit card matches the address that was given by the customer. Because AVS only verifies the numeric portion of the address, certain anomalies like apartment numbers can cause false declines; however, it is reported to be a rare occurrence.

AVS verifies the numeric portions of a cardholder's billing address. For example, if the address is 101 Main Street, Highland, CA 92346, in the United States, AVS will check 101 and 92346. Cardholders may receive false negatives, or partial declines for AVS from e-commerce verification systems, which may require manual overrides, voice authorization, or reprogramming of the AVS entries by the card issuing bank.

AVS support[edit]

AVS is a Visa service to combat fraudulent activity for non-face-to-face transactions by cross-referencing the cardholder’s address information with the card issuer’s records.[2] AVS is widely supported by Visa, MasterCard and American Express in the USA, Canada and United Kingdom.

Cardholders with a bank that does not support AVS may receive an error from Internet stores due to the lack of data.

Besides the automated verification, some banks do provide merchants with a manual verification system. Usually this is done for foreign credit card accounts as the AVS only works in the same country. This facility helps the merchants to prevent fraud arising from other countries. The merchant's bank calls the customer banks (or send a fax for banks that request them). Some countries like Denmark however prevent banks from verifying customer data.

Address Verification Service (AVS) codes[edit]

Type of Codes Codes Description
Domestic (U.S.) Visa Codes A, E, N, R, S, U, W, X, Y, Z The international and domestic alphabetic AVS codes are the Visa standard AVS codes.
International Visa Codes B, C, D, G, I, M, P
Codes for American Express Cards F, H, J, K, L, O, Q, T, V For American Express cards only.
Code Description Network
A Street address matches, but 5-digit and 9-digit postal code do not match. Standard domestic
B Street address matches, but postal code not verified. Standard international
C Street address and postal code do not match. Standard international
D Street address and postal code match. Code "M" is equivalent. Standard international
E AVS data is invalid or AVS is not allowed for this card type. Standard domestic
F Card member's name does not match, but billing postal code matches. American Express only
G Non-U.S. issuing bank does not support AVS. Standard international
H Card member's name does not match. Street address and postal code match. American Express only
I Address not verified. Standard international
J Card member's name, billing address, and postal code match. American Express only
K Card member's name matches but billing address and billing postal code do not match. American Express only
L Card member's name and billing postal code match, but billing address does not match. American Express only
M Street address and postal code match. Code "D" is equivalent. Standard international
N Street address and postal code do not match. Standard domestic
O Card member's name and billing address match, but billing postal code does not match. American Express only
P Postal code matches, but street address not verified. Standard international
Q Card member's name, billing address, and postal code match. American Express only
R System unavailable. Standard domestic
S Bank does not support AVS. Standard domestic
T Card member's name does not match, but street address matches. American Express only
U Address information unavailable. Returned if the U.S. bank does not support non-U.S. AVS or if the AVS in a U.S. bank is not functioning properly. Standard domestic
V Card member's name, billing address, and billing postal code match. American Express only
W Street address does not match, but 9-digit postal code matches. Standard domestic
X Street address and 9-digit postal code match. Standard domestic
Y Street address and 5-digit postal code match. Standard domestic
Z Street address does not match, but 5-digit postal code matches. Standard domestic

Declines due to Address Verification System[edit]

"Declined due to AVS mismatch", the authorization code, along with the hold on the authorized funds, will remain on the customer's card until the card issuing bank removes the authorization. As a result, the held funds may be subtracted from the customer's available balance, and an online statement may reflect the authorization request which might be mistaken for an actual charge. Most card issuing banks will remove authorizations within 3–7 days if they are not claimed for settlement.

References[edit]

  1. ^ "Address Verification System (AVS)". VirtualTrak technologies. Retrieved September 7, 2011. 
  2. ^ "Glossary A, AVS". Electronic Merchant Systems. Retrieved April 27, 2011.