Sertifi and AVS
AVS (Address Verification System) validates that the numerical information of payer's address (address and zip code) matches the numerical address information provided to an issuing bank. An AVS check can help ensure a payment or authorization is valid.
AVS Status
When an AVS check is run against a payment or authorization, you can view its status in the Sertifi Portal on the Folder Maintenance page. You'll see one of the following statuses:
Match
A Match 
status indicates the information submitted by the payer matches the information acquired during the AVS verification. This is confirmed by one of the following messages:
The street address and the U.S. ZIP+4 code match.
The street address and postal code match.
Partial Match
The Partial Match 
status means that some of the information submitted by the payer matches some, but not all, of the information acquired during the AVS verification. Further details are provided in the response message:
The street address matches, but the postal code doesn't match.
The postal code matched, but the street address doesn't match.
The U.S. ZIP+4 code matches, but the street address doesn't match.
Failed
A Failed 
status means that neither the address nor postal code submitted by the payer matched what was on file for the card.
Not Verified
A status of Not Verified denotes that AVS couldn't run, AVS isn't supported by the issuing bank, or that another issue occurred during the AVS verification. Further details are provided in the response message:
No address information was provided.
The AVS check returned an error.
The card was issued by a bank doesn't support AVS. Only banks from the US, the UK, and Canada support AVS checks.
Neither the street address nor postal code matched.
AVS isn't applicable for this transaction.
AVS was either unavailable or timed out.
AVS checks aren't supported by the card issuer.
Caution
A status of Not Verified doesn't necessarily mean that an error occurred. Rather, it only indicates that the AVS check isn't supported by the issuing bank, or that another issue occurred. It can also be possible that your payment gateway was configured to automatically accept payment methods with a Not Verified status. If you'd like to automatically reject these payments, contact Sertifi Support.
AVS in Unsupported Gateways
For payment gateways that don't have AVS enabled, you won't see an AVS status for your payments or authorizations. Instead, you'll see a dash where the AVS status should be. The gateways without AVS support include:
Payeezy
Zuora
Check Commerce
US Bank
You also won't see an AVS status if the transaction type doesn't support AVS – like a cloned payment. In these cases, you'll also see a dash where the AVS status should be.
AVS Code Reference
Code | Visa | MasterCard | Discover | American Express |
|---|---|---|---|---|
A | Address match, ZIP failed to match | Address matches, ZIP does not | Address and 5-digit or 9-digit ZIP match | Address matches, ZIP does not |
B | Address match, ZIP not verified | Neither ZIP nor address match | Neither ZIP nor address match | |
C | Address and ZIP not verified | Not applicable | Not applicable | Not applicable |
D | Full match on Address and ZIP | Not applicable | Not applicable | ZIP matches, name does not |
E | Not applicable | Not applicable | Not applicable | Address and ZIP match, cardholder name does not |
F | Address & ZIP match (UK only) | Not applicable | Not applicable | Not applicable |
G | Address not verified (non-USA addresses) | Not applicable | Not applicable | Not applicable |
I | Address not verified | Not applicable | Not applicable | Not applicable |
K | Not applicable | Not applicable | Not applicable | Name matches |
L | Not applicable | Not applicable | Not applicable | Name and ZIP match |
M | Address & ZIP match (non-USA, non-UK addresses) | Not applicable | Not applicable | Name, address, and ZIP match |
N | No match on Address or ZIP | Not applicable | Not applicable | No match on Address or ZIP |
O | Not applicable | Not applicable | Not applicable | Name and address match |
P | ZIP match, address not verified | Not applicable | Not applicable | Not applicable |
R | System unavailable, retry | System unavailable, retry | Not applicable | System unavailable, retry |
S | AVS not supported | AVS not supported | AVS not supported | AVS not supported |
T | Not applicable | Not applicable | 9-digit ZIP matches, address does not | Not applicable |
U | Information not available | Information not available | Information not available | Information not available |
W | Not applicable | Not applicable | Information not available | Not applicable |
X | Not applicable | Not applicable | 9-digit ZIP and address match | Not applicable |
Y | Address and 5-digit or 9-digit ZIP match | Address and 5-digit ZIP match | Address match | Address and ZIP match |
Z | ZIP match, no match on address | ZIP match, no match on address | ZIP match, no match on address | ZIP code match |
CVV Code Reference
Code | Visa | MasterCard | Discover | American Express |
|---|---|---|---|---|
M | Code match | Code match | Code match | Not applicable |
N | Code does not match | Code does not match | Code does not match | Code does not match |
P | Not processed due to missing expiration date | Not processed due to missing expiration date | Not processed due to missing expiration date | Not applicable |
S | Should have been present | Should have been present | Should have been present | Not applicable |
U | Unable to process | Unable to process | Unable to process | Unable to process |
Y | Not applicable | Not applicable | Not applicable | Code match |