Street address and postal code do not match
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You can search a cardholder’s billing address with the card issuer using AVS. The billing address (street address and/or zip or postal code) is included in an AVS order. It can be passed on in two separate ways:
AVS verifies the address information and gives you a result code that shows whether the cardholder’s address matches the address on file with the issuer. AVS is only available in the United States, but it is an optional service in which not all issuers participate. Each year, more countries implement AVS tests.
Separately from the AVS request, the issuer makes an authorization decision by comparing the cardholder billing address sent with the billing address for that account. The issuer then sends back the authorization response as well as a single character alphabetic code that shows if the cardholder’s address matches the card issuer’s address on file.
In card studies, the importance of AVS as a fraud predictor has been amply demonstrated. A “no match” AVS result may be a key indicator of possible fraud since the person fraudulently using a card is unlikely to know the cardholder’s billing address for that card account.
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Visa Platform Connect concatenates the two values as you fill in billing street address 1 and billing street address 2. Visa Platform Connect truncates the concatenated value to 40 characters before sending it to Visa and the issuing bank if it exceeds 40 characters. Truncating this value has an effect on AVS performance, which could influence risk decisions and chargebacks.
The cardholder’s name, billing address, and postal code are all right. The Fraud Prevention Program verifies shipping details and ensures chargeback protection. Only if you’ve signed up to use AAV+ with the American Express Phoenix processor will you get an answer.
The cardholder’s name, billing address, and postal code are all right. Chargeback insurance is not assured despite the fact that shipping information has been checked (Standard program). Only if you’ve registered to use AAV+ with the American Express Phoenix processor will you get a response.
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A postal code (also known as a postcode, post code, PIN, or ZIP Code in various English-speaking countries around the world) is a set of letters or digits, often including spaces or punctuation, that is used in a postal address for the purpose of sorting mail.
While postal codes are typically allocated to geographic areas, special codes are sometimes assigned to individual addresses or organizations that receive large quantities of mail, such as government agencies and large commercial enterprises. The CEDEX system in France is an example.
The concept of expanding postal district or zone numbering plans beyond major cities, to include small towns and rural areas, was in the air by 1930 or earlier. These eventually evolved into the postal codes we know today. The evolution from a zone plan to a zone improvement plan, “ZIP,” is reflected in the name of US postal codes, “ZIP codes.” In December 1932, the Ukrainian Soviet Socialist Republic adopted new postal codes, but the scheme was abandoned in 1939. Germany was the next country to adopt postal codes in 1941, followed by Singapore in 1950, Argentina in 1958, the United States in 1963, and Switzerland in 1964.  The new method in the United Kingdom was first implemented in Norwich in 1959, but it was not widely adopted until 1974. [eight]
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The Address Verification System (AVS) is a system that verifies a person’s address who claims to be the owner of a credit card. The system would compare the billing address of the credit card issued by the customer to the credit card company’s address on file.
Since certain cards do not have address details associated with them, AVS is unable to check all addresses. After a transaction has completed processing, AVS results are returned. This ensures that rather than stopping a high-risk transaction until it is completed, a retailer must refund or void it.
If the street address or postal codes do not fit, you can configure your account in the Back Office to refuse the transaction. Go to Administration > Account Settings > Order Settings to change your order settings.
The Payments API returns AVS response codes for transactions and pre-authorizations. The Payment APIs spec can be found here. They’re also visible in the Back Office’s transaction report. Select Reporting/Analysis > Transaction Report from the drop-down menu.