Welcome Letter
Contact CCPS
I Want More Info
Application Apply Online
All Major Credit Cards
Amex Discover Diners Club
Debit Cards
Gift & Loyality Card Program
What's Your Rate?
Small Ticket Merchants
Check Services
Free Terminal Program
Free Wireless Program
Retail Stores
Medical & Dental
On the Road Services
Internet Home Based Mail Order
Business to Business
Touchtone Processing
Realtime Processing
Wireless Processing
Pay at the Pump
Equipment Sales
Software Sales
Major Equipment Financing
Terminal Rental
Contactless Payments
CCPS Full Disclosure Policy
Processing 101
CCPS in the News

Address Verification Service

Address Verification Service

How AVS Works


     When you manually enter a sale into the terminal or your PC software program it will prompt for the customer's address and zip code.   You will key enter the street number (example - 123 if the address is 123 Main Street and then the five or nine digit zip code).  The terminal will dial out for an approval and the zip code and numeric billing address will be compared with the physical address to which a cardholders MasterCard or Visa is registered.  Once this information is verified, the merchant will receive a response to the AVS request as to the validity of the address.  The AVS code will be displayed on your terminal display screen and an AVS code or message indicator will also appear on the customer's receipt if you have an electronic printer attached to your terminal.

The AVS response codes and their definitions are as follows:


Exact match, address and 9 digit zip code


Exact match, address and 5 digit zip code


Address matches, zip code does not


9 digit zip code matches, address does not


5 digit zip code matches, address does not


Address and xip code do not match


Address information is unavailable


Retry, system is unavailable


Service not supported


Data not available / Error invalid

** Warning  **

The transaction may be approved even if the AVS information does not match!  The merchant will need to check all AVS responses to find out if the address is good.  THE TRANSACTION WILL NOT BE DECLINED BECAUSE THE AVS INFORMATION DOES NOT MATCH.  The merchant will NOT be penalized if any of the AVS information is incorrect.  The merchant does face a greater chance of chargebacks if he decides to accept the sale on a questionable match.

AVS is designed to give the merchant additional information to raise the comfort level of the merchant prior to shipping product when taking credit card orders over the phone or through the mail.  It is used as extra protection when accepting a purchase in person when the magnetic stripe of the card is unreadable.  Merchants who do not perform Address Verification are charged a higher discount rate on those particular transactions and will see it broken out separately on their merchant statement.  All processors charge more for manually keyed transactions without AVS.

It is very important to remember that whenever you swipe a card through the terminal and the magnetic stripe is unreadable that you MUST manually imprint the customer's card with a manual imprinter (aka knucklebuster !) and have the customer sign the manual sales draft, otherwise you automatically lose your chargeback rights if there is a customer dispute or retrieval request.  The only exception is for lodging transactions and in this case a signature on the guest registration card is usually sufficient.

Contact Us I Want More Info Application Apply On Line
© Credit Card Processing Services, Inc.