Address Verification Status (AVS) Result Codes

Address Verification Status (AVS) Result Codes

INTRODUCTION

During a transaction where the customer's card is not presented at the merchant's location (inputType : I or M), the merchant can enter the address corresponding to his credit card statement on the payment page.

This validation technique does not eliminate all the possibilities of fraud, but it makes it possible to make sure that the customer who process the transaction has all the information of the card before executing.

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ADVANTAGES

The address validation service allows a merchant who accepts orders over the internet, by phone or by mail to request the cardholder to provide the corresponding address to their credit card statement. Issuers verify information in real time to help the merchant ensure that the person making the purchase is the card holder. If the customer can only provide the 16-digit credit card number and expiration date, he may not be in possession of the card, which could indicate a fraudulent transaction.

The advantages of this feature are:

- Reduce the possibility of fraud (this does not completely eliminate the possibility of fraud with a credit card).

- Increase the customer's confidence rate, because the merchant requests additional security information.

The known limits are:

Not all issuing institutions support this validation.

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IMPACTS AND CHANGES IN TRANSACTION PROCESSING

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OPERATIONS

During the integration process, the merchant will have the opportunity to choose between the PayFacto payment solution and the merchant to make the decision to cancel the transaction, when a verification of the address of the holder is in error.

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VERIFICATION DONE BY THE MERCHANT

Obtain the address of his client's account during the process of obtaining credit information.

- Send your information to the payment solution by calling the Payment API via the request parameters CardHolderAddress and CardHolderPostalCode. The values of the two parameters are required in order to be able to complete the payment if the option to validate the address is activated for the merchant.

- The answer is returned to the merchant. The payment solution returns a verification status to the merchant via the response parameter AvsStatus. Address verification does not affect the return code of the transaction. The transaction can be accepted while the verification of the address is in error.

- The merchant then makes a decision using the verification status to accept or reject the transaction.

In case of MATCH response :

the merchant must send the acknowledgment to the payment solution.

If the payment solution returns a “TRUE” return code the merchant must send the acknowledgment. The transaction will not be canceled.

In case of NO MATCH response :

The merchant must send a non-acknowledgment (NACK) to the payment solution.

The payment solution will return a “TRUE” return code. In the case of the success of the NACK, the transaction will be canceled by the payment solution. The payment solution will create a new status in the payment manager (12): transaction canceled by the merchant.

returnCodeAVS Validation statusDescription
MATCHAvsStatus = MThe verification of the address and the postal code corresponds to the information held by the issuer.
NO MATCHAvsStatus = ZThe zip code or ZIP code matches, but the address does not match.
NO MATCHAvsStatus = AThe address matches, but the zip code or ZIP code does not match.
NO MATCHAvsStatus = NAddress and zip code or zip code do not match.
MATCHAvsStatus = UAddress information is not available. Not supported by the card issuer.



Note that if the postal code or address is not transmitted or does not comply with the specifications mentioned in the technical documentation, the returned codes will be:

Return CodeDescription
9144Card holder's address does not meet specifications
9145Card holder's postal code does not meet specifications



Acknowledgment

In the case where a transaction is approved (return code: 00), the payment solution recalls that currently, if the merchant does not send the acknowledgment, the payment solution cancels the transaction within a period not exceeding not 3 minutes. This cancellation is made without the knowledge of the merchant and the result of the cancellation is displayed in the management console of the PayFacto payment solution. In the event that the merchant does not send the acknowledgment of receipt (ACK) or non-acknowledgment of receipt (NACK), the payment solution will cancel the transaction when it has elapsed 3 minutes after the customer has pressed the “Pay” button.
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VERIFICATION DONE BY PAYFACTO

If the merchant decides that the payment solution treats the validation status:

In the event of a successful transaction with a validated address for the address of the card holder that is not advisable (see table below), PayFacto payment solution will cancel the transaction and return a significant return code. The merchant will have to acknowledge receipt of the transaction.

Here is a table of correspondence of the return codes of PayFacto's payment solution:

returnCodeAVS Validation statusDescription
00AvsStatus = MThe verification of the address and the postal code corresponds to the information held by the issuer.
9146AvsStatus = ZThe zip code or ZIP code matches, but the address does not match.
9147AvsStatus = AThe address matches, but the zip code or ZIP code does not match.
9148AvsStatus = NAddress and zip code or zip code do not match.
9149AvsStatus = UAddress information is not available. Not supported by the card issuer.



Note that if the postal code or address is not transmitted or does not comply with the specifications mentioned in the technical documentation, the returned codes will be:

Return CodeDescription
9144Card holder's address does not meet specifications
9145Card holder's postal code does not meet specifications



Acknowledgment

In the case where a transaction is approved (return code: 00), the payment solution recalls that currently, if the merchant does not send the acknowledgment, the payment solution cancels the transaction within a period not exceeding not 3 minutes. This cancellation is made without the knowledge of the merchant and the result of the cancellation is displayed in the management console of the PayFacto payment solution. In the event that the merchant does not send the acknowledgment of receipt (ACK) or non-acknowledgment of receipt (NACK), the payment solution will cancel the transaction when it has elapsed 3 minutes after the customer has pressed the “Pay” button.



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PARTIAL AVS

The merchant must obtain the address of his client's account during the process of obtaining credit information.

- Send your information to the payment solution by calling the Payment API via the request parameters CardHolderAddress and CardHolderPostalCode. Using the partial AVS the merchant can send only the postal code or only the address of the card holder.

- The answer is returned to the merchant. The payment solution returns a verification status to the merchant via the response parameter AvsStatus. Address verification does not affect the return code of the transaction. The transaction can be accepted while the verification of the address is in error.

- The merchant then makes a decision using the verification status to accept or reject the transaction.

In case of MATCH response :

the merchant must send the acknowledgment to the payment solution.

If the payment solution returns a “TRUE” return code the merchant must send the acknowledgment. The transaction will not be canceled.

In case of NO MATCH response :

The merchant must send a non-acknowledgment (NACK) to the payment solution.

The status will match what has been sent :

returnCodeAVS Validation statusDescription
MATCH - If both values were sent.AvsStatus = MThe verification of the address and the postal code corresponds to the information held by the issuer.
MATCH - If only the postal code was sentAvsStatus = ZThe zip code or ZIP code matches, but the address does not match.
MATCH - If only the address was sentAvsStatus = AThe address matches, but the zip code or ZIP code does not match.
NO MATCHAvsStatus = NAddress and zip code or zip code do not match.
MATCHAvsStatus = UAddress information is not available. Not supported by the card issuer.



The payment solution will return a “TRUE” return code. In the case of the success of the NACK, the transaction will be canceled by the payment solution. The payment solution will create a new status in the payment manager (12): transaction canceled by the merchant.

Note that if the postal code AND address is not transmitted or does not comply with the specifications mentioned in the technical documentation, the returned codes will be:

Return CodeDescription
9144Card holder's address does not meet specifications
9145Card holder's postal code does not meet specifications



Acknowledgment

In the case where a transaction is approved (return code: 00), the payment solution recalls that currently, if the merchant does not send the acknowledgment, the payment solution cancels the transaction within a period not exceeding not 3 minutes. This cancellation is made without the knowledge of the merchant and the result of the cancellation is displayed in the management console of the PayFacto payment solution. In the event that the merchant does not send the acknowledgment of receipt (ACK) or non-acknowledgment of receipt (NACK), the payment solution will cancel the transaction when it has elapsed 3 minutes after the customer has pressed the “Pay” button.
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USER INTERFACE


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INTEGRATED MODE


The changes to the user interface consist of adding two additional input fields (address and postal code) on the credit card payment page. The payment solution offers no restriction as to the means used to indicate the position of the fields for the address and the postal code.

  • The merchant must make the entry of the field(s) mandatory.
  • It is preferable, in internet mode, to force the entry before processing the transaction.


In call center mode (MOTO) :

  • The merchant is entitled to request the address and/or the postal code of the customer to proceed with the purchase. The mail application form should include a place for the customer to enter their address and postal code.



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REDIRECTION MODE


PayFacto's payment solution will modify the redirection page to add this new field. The change looks like this:



In the payment form, the entry field of the address and the postal code are displayed with the possibility of obtaining more information via the icon : 

The display of the input field is optional. It is activated by the payment solution integrators when the merchant terminals have been enabled to support validation and the merchant has completed the changes in their application. When the input fields of the address and postal code are activated, the entry of the information will be necessary otherwise the processing of the transaction will not take place. The redirection page of the payment solution will display an error window indicating to the user that he must enter the address and the postal code of the cardholder.

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PAYMENT MANAGER - VIRTUAL TERMINAL MODE


The option to validate the card holder's address is not available when the merchant uses the virtual terminal via PayFacto's payment manager.




PayFacto supports Address Verification (AVS) including Visa AVS, MasterCard AVS, AMEX AAV and Discover AVS.
PayFacto will return both a mapped PayFacto result code that is consistent regardless of te Payment Scheme, as well as the original Payment Scheme specific results returned from a financial institution for reference.



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