AVS Test Guide: How to Conduct and Interpret AVS Checks for CVV Transactions

What is an AVS Test?

The Address Verification System (AVS) is a security measure used to verify the billing address provided by a customer during a transaction. It helps to prevent fraud by ensuring that the address on the payment card matches the address on file with the card issuer.

Why is AVS Important for CVV Transactions?

CVV (Card Verification Value) transactions require additional verification steps to ensure security. AVS plays a crucial role in this process by reducing the risk of fraudulent activities.

How to Conduct an AVS Test

1. Obtain the billing address from the customer during the transaction.

2. Compare the address provided with the one on file with the card issuer.

3. The AVS system will return a response code indicating whether the address matches or not.

Interpreting AVS Response Codes

Here are some common AVS response codes and their meanings:

• Code M: Exact match for street address and zip code.
• Code N: No match on street address, but zip code matches.
• Code X: Exact match on street address and zip code.
• Code Z: No match on street address or zip code.