AVS (Address Verification System) is a system that attempts to match the billing address that your customers enter in the Billing Address fields during checkout. When the credit card entered is authorized, AVS checks to see if the cardholder's address entered during checkout matches the address information on file with the issuing bank. AVS returns codes that match AVS Rules set by you about the address such as if the address and or zip/postal code match.
AVS is one of the informational tools in Risk Tools that helps merchants make decisions about which transactions to flag for follow-up with the customer or issuing bank. AVS allows the merchant to set up rules to reject, flag, or accept transactions based on address and zip/postal code.
AVS Rules are based on the codes returned by the Address Verification System (AVS). The codes used by AVS Rules and the default settings are outlined in Table 1:
AVS Rules, Codes and Settings
| Address OK, Zip/Postal Code wrong | | YNA, YNB | | Flag | |
|
| Address wrong, Zip/Postal code OK | | NYZ, NY, NYW, NYP | | Flag | |
|
| Address and Zip/Postal code wrong | | NNN, NNC | | Flag | |
|
| System is not available | | XXR | | Flag | |
|
| Verification is not on card | | XXE, XXG, XX | | Flag | |
|
Additional Codes
Domestic: Address and Zip code match | YYY, YY, YYX |
International: Address and Postal code match | YYD, YYF, YYM |
Detailed AVS Codes
Based on the codes returned for a particular credit card authorization, you can set the AVS Rules to automatically reject, flag, or accept orders. Flagged orders will appear with a pending review status on the order pages. The AVS code information will also appear with the credit card information in the Payment section of the individual order screen.
Learn more about what you and your customers will see with Risk Tools enabled.
Set AVS Rules
- Sign in to your My Services page.
- Click the Store link.
- Go to Risk Tools.
- Go to Settings.
- In the General section, enter an amount at which you wish to apply AVS and CVV Rules:
- Enter $0 if you wish to apply AVS and CVV Rules to all transactions
- Enter a specific dollar amount at which to apply AVS and CVV Rules
- In the AVS section, select whether you wish to Reject, Flag, or Accept orders for the various rules based on the information entered by the customer or the system availability during checkout.
- On the top-right or bottom-right, click the Update button.
- Return to Store Manager and publish your Order Settings.
Note: You must have your online payment processing set to perform real-time authorizations in order to use AVS and CVV rules to reject, flag, or accept orders based on response codes as part of Risk Tools. Without real-time authorization, Risk Tools cannot check the address and card verification value provided by customers during checkout. View instructions for enabling real-time authorization of orders.
Get detailed information about failed authorizations by utilizing the Failed Authorizations Report. Learn more.
Turbify provides Risk Tools to merchants for informational purposes only and does not represent or warrant that merchant use of Risk Tools will reduce or eliminate fraudulent or bad credit or debit card transactions initiated by their store customers.
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