We have been fighting due to people calling in and complaining that their credit card is being declined because of a AVS Mismatch. We finally had someone that was so sure it was correct, we asked them to send a copy of their bank statement with the important blacked out. Looking at the address, it is exactly what the customer (and myself) was entering. So with the customers permission I played around with the way the data was being inserted and then BAM, it was approved BUT it is very concerning the reason why it was approved.
I have always been told that AVS is decided by the billing street number and billing zip code (numeric only to help with spelling errors). So take the below example and see if you have any idea where the issue is. I contacted Authorize.net and they said I need to speak with my merchant (First Data) but then my merchant says I need to talk with Authorize.net as that is who is declining the transactions per my AVS settings at Authorize.net.
John Doe
45454 Some Street Blvd.
#444
SomeCity, TX 99999
Status: DECLINED
Message: The transaction has been declined because of an AVS mismatch. The address provided does not match billing address of cardholder.
AVS Result Code: N (Neither the street address nor the 5-digit ZIP code matches the address and ZIP code on file for the card)
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[x_login] => xxxxxxxxxx
[x_tran_key] => xxxxxxxxxxxxxxxx
[x_delim_char] => |
[x_method] => CC
[x_duplicate_window] => 30
[x_type] => AUTH_CAPTURE
[x_version] => 3.1
[x_delim_data] => TRUE
[x_url] => FALSE
[x_relay_response] => FALSE
[x_card_num] => 5xxxxxxxxxxxxxxx
[x_card_code] => 123
[x_exp_date] => 012015
[x_first_name] => John
[x_last_name] => Doe
[x_address] => 45454 Some Street Blvd.
[x_city] => SomeCity
[x_state] => Texas
[x_zip] => 99999
[x_description] => Invoice Description
[x_amount] => 35.14
Status: DECLINED
Message: The transaction has been declined because of an AVS mismatch. The address provided does not match billing address of cardholder.
AVS Result Code: N (Neither the street address nor the 5-digit ZIP code matches the address and ZIP code on file for the card)
--------------------------------------
[x_login] => xxxxxxxxxx
[x_tran_key] => xxxxxxxxxxxxxxxx
[x_delim_char] => |
[x_method] => CC
[x_duplicate_window] => 30
[x_type] => AUTH_CAPTURE
[x_version] => 3.1
[x_delim_data] => TRUE
[x_url] => FALSE
[x_relay_response] => FALSE
[x_card_num] => 5xxxxxxxxxxxxxxx
[x_card_code] => 123
[x_exp_date] => 012015
[x_first_name] => John
[x_last_name] => Doe
[x_address] => 45454 Some Street Blvd. #444
[x_city] => SomeCity
[x_state] => Texas
[x_zip] => 99999
[x_description] => Invoice Description
[x_amount] => 35.14
[x_invoice_num] => 111112
Status: APPROVED
AVS Result Code: Y
Note: Notice the address that was used was JUST his apartment number?
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[x_login] => xxxxxxxxxx
[x_tran_key] => xxxxxxxxxxxxxxxx
[x_delim_char] => |
[x_method] => CC
[x_duplicate_window] => 30
[x_type] => AUTH_CAPTURE
[x_version] => 3.1
[x_delim_data] => TRUE
[x_url] => FALSE
[x_relay_response] => FALSE
[x_card_num] => 5xxxxxxxxxxxxxxx
[x_card_code] => 123
[x_exp_date] => 012015
[x_first_name] => John
[x_last_name] => Doe
[x_address] => 444
[x_city] => SomeCity
[x_state] => Texas
[x_zip] => 99999
[x_description] => Invoice Description
[x_amount] => 35.14
[x_invoice_num] => 111113
