AVS/CVV2 Rules and Actions

The AVS/CVV2 Rules and Action settings are used when processing a credit card on a Verifone Payware Device. Note the AVS/CVVS Rules are set on the HPP account for virtual terminal and ecommerce transactions. Credit card payment information is sent through the EBMS gateway to the payment processor, and on to the bank issuer. The bank issuer may then report that the credit card is accepted, but there is some information that does not match. In many cases, there is an extra fee applied when this mismatches occur. In order to balance these mismatches, EBMS allows businesses to set up terms on what to do for various scenarios.

Accept if successful: the card is accepted and let through silently, without the clerk at the terminal even noticing
Ask to void or accept: will ask the clerk to deny or accept the card
Auto-void: silently denies the card and provides one of the reasons shown below

The two sets of rules include Address Verification System (AVS) and Card Verification Codes (CVV2, CVC2, CVD, CID):

Card verification codes - CVV2, CVC2, CVD, and CID - rules:

Response Code	Description	Action
M	CVV2/CVC2 matches	Accept if successful
N	CVV2/CVC2/CID mismatch	Ask to void or accept
P	Card verification does not process – Either the CVV2/CVC2/CID was not provided, or the card does not have a CVV2/CVC2/CID value. If the CVV2/CVC2/CID was left blank, resubmit as a zero dollar amount	Ask to void or accept

Address Verification System (AVS) rules:

Response Code	Description	Action
A	Street address matches, but 5-digit and 9-digit postal code do not match.	Auto-void
B	Street address matches, but postal code not verified.	Ask to void or accept
C	Street address and postal code do not match.	Auto-void
D	Street address and post code match. Code “M” is equivalent.	Accept if successful
E	AVS data is invalid or AVS is not allowed for this type of card.	Accept if successful
F	Card member’s name does not match, but billing postal code matches.	Accept if successful
G	Non-U.S. issuing bank does not support AVS.	Accept if successful
H	Card member’s name does not match. Street address and postal code match.	Accept if successful
I	Address not verified.	Accept if successful
J	Card member’s name, billing address, and postal code match.	Accept if successful
K	Card member’s name matches but billing address and billing postal code do not match.	Auto-void
L	Card member’s name and billing postal code match, but billing address does not match.	Accept if successful
M	Street address and postal code match. Code “D” is equivalent.	Accept if successful
N	Street address and postal code do not match.	Auto-void
O	Card member’s name and billing address match, but billing postal code does not match.	Ask to void or accept
P	Postal code matches, but street address not verified.	Accept if successful
Q	Card member’s name, billing address, and postal code match.	Accept if successful
R	System unavailable.	Accept if successful
S	U.S. Bank does not support AVS.	Accept if successful
T	Card member’s name does not match, but street address matches.	Accept if successful
U	Address information unavailable. Returned if the U.S. bank does not support non-U.S. AVS or if the AVS in a U.S. bank is not functioning properly.	Ask to void or accept
V	Card member’s name, billing address, and billing postal code match.	Accept if successful
W	Street address does not match, but 9-digit postal code matches.	Accept if successful
X	Street address and 9-digit postal code match.	Accept if successful
Y	Street address and 5-digit postal code match.	Accept if successful