Address Verification is a service that compares the address and billing information
provided by a customer at the time of a transaction, with the information the cardholder's
issuing bank has on file, to help determine if the transaction is valid.
Merchants that process "card-not-present" transactions increases their risk
of fraud. Mail orders, telephone orders and internet orders, do not allow the merchant
the benefit of obtaining the cardholder's signature. By comparing the billing address
(street address and zip code) information supplied by the cardholder against information
on file with the card issuing bank's database, the merchant gains additional information
to help identify a possible fraudulent transaction. The AVS response code corresponds
to different degrees of matching data. The service is only available for U.S. street
AVS is a useful tool to help protect the merchant from fraud transactions.
Learn more about AVS