Account Verification Service (AVS) Response Codes

AVS Response List

The Address Verification System (AVS) helps verify a cardholder's billing address by comparing it with the information on file with the issuing bank. AVS codes provide insights into the accuracy of the match, helping merchants assess potential fraud risks. Matches (e.g., D, M, X, Y, V) indicate strong validation, while partial matches (A, B, F, W, Z) suggest some inconsistencies. No match (C, I, N) or system issues (R, U, S) may require further verification before processing the transaction. Below is the US Domestic and International AVS response codes with descriptions.

**U.S. Domestic and *International AVS Codes**

Code	Response	Description
A	Partial match	Street address matches, but five-digit and nine-digit postal codes do not match.
B*	Partial match	Street address matches, but postal code is not verified.
C*	No match	Street address and postal code do not match.
D*	Match	Street address and postal code match.
E	Invalid	AVS data is invalid or AVS is not allowed for this card type.
F	Partial match	Card member’s name does not match, but billing postal code matches. Returned only for the American Express card type.
H	Partial match	Card member’s name does not match, but street address and postal code match. Returned only for the American Express card type.
I*	No match	Address not verified.
J	Match	Card member’s name, billing address, and postal code match. Shipping information verified and chargeback protection guaranteed through the Fraud Protection Program. Returned only if you are signed up to use AAV+ with the American Express Phoenix processor.
K	Partial match	Card member’s name matches, but billing address and billing postal code do not match. Returned only for the American Express card type.
L	Partial match	Card member’s name and billing postal code match, but billing address does not match. Returned only for the American Express card type.
M*	Match	Street address and postal code match.
N	No match	One of the following: Street address and postal code do not match. Card member’s name, street address, and postal code do not match. Returned only for the American Express card type.
O	Partial match	Card member’s name and billing address match, but billing postal code does not match. Returned only for the American Express card type.
P*	Partial match	Postal code matches, but street address not verified.
Q	Match	Card member’s name, billing address, and postal code match. Shipping information verified but chargeback protection not guaranteed (Standard program). Returned only if you are signed to use AAV+ with the American Express Phoenix processor.
R	System unavailable	System unavailable.
S	Not supported	U.S.-issuing bank does not support AVS.
T	Partial match	Card member’s name does not match, but street address matches. Returned only for the American Express card type.
U	System unavailable	Address information unavailable for one of these reasons: The U.S. bank does not support non-U.S. AVS. The AVS in a U.S. bank is not functioning properly.
V	Match	Card member’s name, billing address, and billing postal code match. Returned only for the American Express card type.
W	Partial match	Street address does not match, but nine-digit postal code matches.
X	Match	Street address and nine-digit postal code match.
Y	Match	Street address and five-digit postal code match.
Z	Partial match	Street address does not match, but five-digit postal code matches.

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