9
AVS Response
Codes
The Address Verification
System (AVS) is a
feature that adds fraud
protection on card-not-
present transactions.
The numeric portion of
the customer’s street
address and the ZIP
code are compared
against the information
on file with the card-
issuing bank.
Use this chart to
interpret domestic AVS
Response Codes by card
type.
Code Description
VISA MC AMEX Disc.
X
Match - Address and 9-digit
ZIP code
Y
Match - Address and ZIP code
(for Discover, address only
matches)
A
Partial - Address matches, ZIP
code does not (for Discover,
both address and ZIP match)
W
Partial - 9-digit ZIP code
matches, address does not (for
Discover, no data from issuer)
Z
Partial - ZIP code matches,
address does not
N
No match - Neither address nor
ZIP code match
U
Unavailable - AVS system
unavailable or issuer does not
support AVS
R
Retry - Issuer’s system
unavailable or timed out
S
Not supported - AVS not
supported by issuer at this time
