Address Verification Service (AVS) Response Codes

When a transaction is completed on your website, the payment gateway receives the credit card information. Then they use an Address Verification Service (AVS) to compare the billing address provided by the shopper and the address on file with the credit card company. The issuing bank then sends an AVS code to notify you (the merchant) if the address is a match. A transaction may still be approved even if the AVS verification does not match. It is the responsibility of the merchant to use this provided information to decide whether or not to ship the order.

Below is a list of Address Verification Service (AVS) response codes and their definitions.

CodeSummaryDescriptionVISAMCAMEXDISC
Y MatchStreet address and 5-digit ZIP code both match ✓
X MatchStreet address and 9-digit ZIP code both match ✓
A Partial MatchStreet address matches, but both 5-digit and 9-digit ZIP Code do not match ✓ ✓ ✓
W Partial MatchStreet address does not match, but 9-digit ZIP code matches ✓ ✓
Z Partial MatchStreet address does not match, but 5-digit ZIP code matches ✓ ✓
N No MatchStreet address, 5-digit ZIP code, and 9-digit ZIP code all do not match ✓ ✓
USystem UnavailableAddress information unavailable. Returned if non-US.
AVS is not available or if the AVS in a U.S. bank is not functioning properly.
 ✓ ✓ ✓
RSystem Unavailable Retry – Issuer’s System Unavailable or Timed Out. ✓ ✓ ✓
EInvalid AVS data is invalid ✓
SNot Supported U.S. issuing bank does not support AVS ✓ ✓ ✓