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Address Verification System (AVS) is a security feature that verifies the billing address of the cardholder. It does this by comparing the billing address the shopper enters with the one on file at the payment card company. AVS validates the Street Address and Zip/Postal code of the shopper.

The advantages of using AVS include better protection against fraud, and lower interchange fees in the United States (you can qualify for the lowest rate).

AVS for Visa and Mastercard is supported by Adyen in all countries, for a limited number of issuing banks. For payments outside Canada, the United States and United Kingdom, some additional configuration may be required. Contact the Support Team for more information.

For American Express, AVS is supported as an additional fraud check in countries that issue AmEx cards.

AVS for Ecommerce

Supply the full address of the shopper using the billingAddress child element of the payment authorisation request, as shown below:

    "street":"Example street",
<billingAddress xmlns="">    
  <country xmlns="">US</country>
    <city xmlns="">SF</city>
    <street xmlns="">Example street</street>
    <houseNumberOrName xmlns="">40</houseNumberOrName>
    <stateOrProvince xmlns="">California</stateOrProvince>
    <postalCode xmlns="">91351</postalCode>

When you submit the billingAddress object for AVS, the following child elements are required:

  • city
  • street
  • houseNumberOrName
  • country

You have the option to provide the postalCode or stateOrProvince of the shopper, though AVS does not validate stateOrProvince.

If you are collecting multiple address lines, such as collecting apartment or unit number, append the lines and pass them as part of street.

See Address for more information about the fields.

To qualify for better interchange rates submit the billing address and zip code for card not present transactions. This is not guaranteed, contact Support Team to know more.

The country value format needs to adhere to the ISO 3166-1 alpha-2 standard. An invalid country code results in a transaction/request rejection. You can look up country codes on the ISO website.

Different card brands and networks have specific AVS response codes. They are mapped to our generic response codes, which are the ones you receive by default. If you prefer to receive the actual response code from the card or network, contact the Adyen Support Team to request enabling the raw AVS reason for you. After enabling, this information is included in your notifications.

AVS for Hosted Payment Pages (HPP)

To enable AVS for an HPP skin, go to Customer Area > Skins > [Skin Code]. Under Skin Options, select the Billing Address Fields (AVS) checkbox. 

The AVS check setting is skin-specific, so you need to enable it for each skin that you want an AVS check.

For a list of parameters required for this call, refer to HPP billing address and AVS fields.

You can choose to have the HPPs pre-populate the billing address information from your own system, as shown below:

<input type="hidden" name="billingAddressType" value="1" />
<input type="hidden" name="" value="US" />
<input type="hidden" name="" value="SF" />
<input type="hidden" name="billingAddress.street" value="Example Street" />
<input type="hidden" name="billingAddress.houseNumberOrName" value="40" />
<input type="hidden" name="billingAddress.stateOrProvince" value="California" />
<input type="hidden" name="billingAddress.postalCode" value="91351" />

AVS result testing

To test your system's response to an AVS result, avsResult, include and define all the required billingAddress parameters. You can use our provided AVS test cards and billing addresses or create your own test cards.

For the street parameter, use the value Test AVS result. For houseNumberOrName, use the Result value that you want to test from the table below:

Result value Description
0 Unknown.
1 Address matches, but the postal code does not match.
2 Neither postal code nor address match.
3 AVS unavailable.
4 AVS not supported for this card type.
5 No AVS data provided.
6 Postal code matches, but the address does not match.
7 Both postal code and address match.
8 Address not checked, postal code unknown.
9 Address matches, postal code unknown.
10 Address doesn't match, postal code unknown.
11 Postal code not checked, address unknown.
12 Address matches, postal code not checked.
13 Address doesn't match, postal code not checked.
14 Postal code matches, address unknown.
15 Postal code matches, address not checked.
16 Postal code doesn't match, address unknown.
17 Postal code doesn't match, address not checked.
18 Neither postal code nor address were checked.
19 Name and postal code matches.
20 Name, address and postal code matches.
21 Name and address matches.
22 Name matches.
23 Postal code matches, name doesn't match.
24 Both postal code and address matches, name doesn't match.
25 Address matches, name doesn't match.
26 Neither postal code, address nor name matches.