AVS and CVV Codes


Address Verification (AVS) Codes

When sending a transaction for address verification or card verification, you will receive one of the following responses:

Code Summary Description Visa Mast AMEX DISC
X MATCH Street address and 9-digit ZIP code both match   x    
Y MATCH Street address and 5-digit ZIP code both match x x x x
A PARTIAL MATCH Street address matches, but both 5-digit and 9-digit ZIP code do not match x x x x
W PARTIAL MATCH Street address does not match, but 9-digit ZIP code matches   x   x
Z PARTIAL MATCH Street address does not match, but 5-digit ZIP code matches x x x x
N NO MATCH Street address, 5-digit ZIP code, and 9-digit ZIP code all do not match x x x x
U SYSTEM UNAVAILABLE

Address information unavailable. Returned if non-US.

AVS is not available or the AVS for a US bank is not functioning properly.

x x x x
R SYSTEM UNAVAILABLE Retry - Issuer's system unavailable or timed out x x x  
E INVALID AVS data is invalid x      
S NOT SUPPORTED US-issuing bank does not support AVS x x x  

NOTE: A transaction may be approved even if the address or card verification information does not match. The AVS and CVV2 system is designed to give merchants peace of mind when shipping products to their customers. Merchants must determine whether or not to supply the goods based on the AVS and CVV responses.

 

International Address Verification Codes

Code Summary Description
D MATCH Street address and 9-digit ZIP code both match
M MATCH Street address and 5-digit ZIP code both match
B PARTIAL MATCH Street address matches, but both 5-digit and 9-digit ZIP code do not match
P PARTIAL MATCH Street address does not match, but 9-digit ZIP code matches
C PARTIAL MATCH Street address does not match, but 5-digit ZIP code matches
I NO MATCH Street address, 5-digit ZIP code, and 9-digit ZIP code all do not match
G SYSTEM UNAVAILABLE

Address information unavailable. Returned if non-US.

R SYSTEM UNAVAILABLE Retry - Issuer's system unavailable or timed out
E INVALID AVS data is invalid
S NOT SUPPORTED US-issuing bank does not support AVS

 

Card Verification Value (CVV/CVV2) Codes

Code Description
M CVV2 Match
N CVV2 No Match
P Not Processed
S Issuer indicates that CVV2 data should be present on the card, but the merchant has indicated that the data is not present on the card
U Issuer has not certified for CVV2 or the Issuer has not provided Visa with the CVV2 encryption keys
Empty Transaction failed because the merchant entered the wrong CVV2 number or didn't enter any CVV2 number