When sending a transaction for address verification or card verification, you will receive one of the following responses from the issuing bank.
Address Verification Service (AVS) Response Code Definitions
Code Summary Value Description Visa MC AMEX DISC
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 5-digit and 9-digit ZIP Code do not match
W Partial Match Street address does not match, but 9-digit ZIP code matches    
Z Partial Match Street address does not match, but 5-digit ZIP code matches
N No Match Street address, 5-digit ZIP code, and 9-digit ZIP code all do not match
U System Unavailable

Address information unavailable. Returned if non-US.

AVS is not available or if the AVS in a U.S. bank is not 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 does not support AVS  

 

International AVS Response Code Definitions
Code Summary Value Description
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. Issuer does not participate

 

Card Verification Value (CVV2) Response Codes
Code Value 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 data is not present on the card
U Issuer has not certified for CVV2 or Issuer has not provided Visa with the CVV2 encryption keys
Empty Transaction failed because wrong CVV2 number was entered or no CVV2 number was entered

 

Note:

 A transaction may be approved even if the address verification information or card verification does not 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 is up to the merchant to determine whether to supply goods based on the response.