Address Verification Service (AVS) Response Code Definitions

• X Match Street address and 9-digit ZIP code both match
• Y Match Street address and 5-digit ZIP code both match
• A Partial Match Street address matches, but both the 5-digit and 9-digit ZIP Code don’t match
• W Partial Match Street address doesn’t match, but the 9-digit ZIP code matches
• Z Partial Match Street address doesn’t match, but the 5-digit ZIP code matches
• N No Match Street address, 5-digit ZIP code, and 9-digit ZIP code all don’t match
• U System Unavailable Address information unavailable. Returned if non-US.

AVS isn’t available or if the AVS in a U.S. bank isn’t functioning properly

• R System Unavailable Retry - Issuer's System Unavailable or Timed Out.
• E Invalid AVS data is invalid
• S Not Supported U.S. issuing bank doesn’t support AVS

International AVS Response Code Definitions

• D Match Street Address and Postal Code match for International Transaction
• M Match Street Address and Postal Code match for International Transaction
• B Partial Match Street Address Match for International Transaction. Postal Code not verified due to incompatible formats
• P Partial Match Postal Codes match for International Transaction but street address not verified due to incompatible formats
• C No Match Street Address and Postal Code not verified for

International Transaction due to incompatible formats

• I No Match Address Information not verified by International issuer
• G Not Supported Non-US. The issuer doesn’t participate
Card Verification Value (CVV2) Response Codes
• 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 data isn’t present on the card
• U Issuer hasn’t certified for CVV2 or Issuer hasn’t provided Visa with the CVV2 encryption keys
• Empty Transaction failed because wrong CVV2 number was entered or no CVV2 number was entered

A transaction may be approved even if the address verification information or card verification doesn’t match. AVS and CVV2 are designed to give the merchant additional information to raise the comfort level of the merchant before shipping products to their customer. It’s up to the merchant to determine whether to supply goods based on the response.