{"title":"Address Verification System (AVS)","category":"default","creationDate":1582713000,"content":"

The Address Verification System (AVS) is a service that verifies if a billing address matches the address of a credit card cardholder. AVS is a widely used fraud-prevention measure for Card Not Present<\/a> (CNP) transactions, such as online payments or point-of-sale Mail Order\/Telephone Order (MOTO)<\/a> payments.
\nAVS gives you a way to check if the shopper who is placing the order is the same person as the cardholder, which is more likely if the billing address details match.<\/p>\n

How does AVS work?<\/h2>\n

When a shopper pays for a transaction, you can collect their billing address details. Then, you send that data in the billingAddress<\/code> object in the payment authorization request. When you have enabled AVS, the system checks if and to what extent these billing address details match the information that the issuing bank has on file about the holder of the credit card.<\/p>\n

The response to the payment request will contain an Adyen AVS response code that is mapped to a raw AVS response code. You can see the mapping in the mapping table<\/a>.<\/p>\n

When the AVS check results in a mismatch, you can trigger a risk rule<\/a>. When you use RevenueProtect, you can use the standard risk rule Billing address does not match cardholder address<\/a>, or create a custom risk rule. When you use Protect, you can use the Adyen-provided Address Verification System (AVS) rule<\/a>, or create a custom post-authorization rule.<\/p>\n

Based on the AVS response, you can decide what to do with the payment: you can accept, make an exception, or cancel a transaction.<\/p>\n

AVS is supported for card payments with Visa, Mastercard, Discover or American Express. Credit card issuers in the United States, Canada, the United Kingdom, and Europe (Visa only) must support AVS verification requests when you send them in, however, using AVS is not mandatory for you as a merchant.<\/p>\n

Enable and test AVS<\/h2>\n

To be able to trigger AVS and the AVS risk rules, you set up your payment authorization requests to include billing address details. How you do that depends on your integration. Follow the instructions below that are relevant for you.<\/p>\n

AVS in API requests<\/h3>\n
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  1. \n

    Collect the shopper's billing address.<\/p>\n