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Member
Posts: 3
Registered: ‎06-21-2011

AVS Results are not correct

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)
--------------------------------------
[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?
--------------------------------------
[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

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Administrator Administrator
Administrator
Posts: 563
Registered: ‎08-03-2011

Re: AVS Results are not correct

Hi redbrad0,

The Merchant Service Provider is correct in that we decline the transaction based on the AVS Code that we receive in the response. Could you check with your Merchant Service Provider to see if they can see what AVS response code was supposed to be sent back to Authorize.Net?  If the AVS response code is different than the one we received, you can contact Customer Support to have them further review the transaction response from the processor.


Thanks,
Joy