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AVS Result Codes

The responses that are received from AVS verifications are intended to provide added security and fraud prevention, but the response itself will not affect the issuer’s approval of a transaction. Upon receiving a response, the choice to proceed with a transaction is left entirely to the merchant. Please note that all responses coming back from these verification methods are not direct indicators of whether a merchant should complete any particular transaction. The responses should not be used as a strict guideline of which transaction will approve or decline.

The Address Verification Service (AVS) value refers to the cardholder’s street number, street name and zip/postal code as it would appear on their statement. The following tables outline the possible responses when passing in AVS information.

AVS Result Definitions
Value VISA MASTERCARD DISCOVER Amex / JCB
A "AVS street address only partial match" Address matches, postal code does not. Address matches, five-digit postal code matches Billing address matches, zip code does not.
D N/A N/A N/A Customer name incorrect, postal code matches
E N/A N/A N/A Customer name incorrect, billing address and postal code match
F N/A N/A N/A Customer name incorrect, billing address matches.
G N/A N/A Address information not verified for international transaction N/A
K N/A N/A N/A Customer name matches
L N/A N/A N/A Customer name and postal code match.
M N/A N/A N/A Customer name, billing address, and postal code match.
N AVS non-match Neither address nor postal code match. Neither address nor postal code match. Billing address and postal code do not match.
O N/A N/A N/A Customer name and billing address match
R (AVS indeterminate outcome (retry)) V.I.P. will convert invalid values in Field 44.2 to R (AVS indeterminate outcome (retry)). Retry; system unable to process. N/A System unavailable; retry.
S N/A AVS currently not supported. AVS currently not supported. AVS currently not supported.
T N/A N/A Nine-digit zip code matches, address does not match. N/A
U (AVS unable to verify) V.I.P. will convert a blank space in Field 44.2 to U (AVS unable to verify). No data from Issuer/Authorization system. Retry; system unable to process. Information is unavailable.
W N/A For U.S. Addresses, nine-digit postal code matches, address does not; for address outside the U.S. postal code matches, address does not. No data from Issuer/Authorization system Customer name, billing address, and postal code are all correct.
X N/A For U.S. addresses, nine-digit postal code and addresses matches; for addresses outside the U.S., postal code and address match. Address matches, nine-digit postal code matches N/A
Y (AVS full match) For U.S. addresses, five-digit postal code and address matches. Address matches, postal code does not Billing address and postal code both match
Z (AVS postal/zip code only (partial match)) For U.S. addresses, five-digit postal code matches, address does not match. Five-digit postal code matches, address does not Postal code matches, billing address does not.

AVS verification is only applicable towards Visa, MasterCard, Discover, and American Express card transactions. This verification method is not applicable towards any other card type.