"AVS" checks a cardholder’s billing address with the card issuer. An AVS request includes the billing address (street address and zip code).

AVS checks the address information and provides a result code, which indicates whether the address given by the cardholder matches the address on file with their bank. Please be advised that not all card issuers participate and if your bank does not participate, the payment will be rejected.

The issuer makes an authorization decision separately from the AVS request and compares the cardholder billing address sent with the billing address for that account. The issuer then returns both the authorization response and a single character alphabetic code result that indicates whether the address given by the cardholder matches the address on file with the card issuer.