Appendix C

This appendix describes result codes for the Address Verification Service (AVS), card verification numbers (CVN), and the factor codes returned by Smart Authorization. You can see these results in the Transaction Detail page. See Searching for Orders for more information about this page.

When you request a credit card authorization, the customer’s issuing bank may use the Address Verification Service (AVS) to confirm that your customer has provided the correct billing address. If the customer provides incorrect information, the transaction might be fraudulent.

The next table describes each AVS code. Use this table to see the complete description of the AVS codes that you receive in the reply or in the search details page of the Business Center.

**Table 4** Address Verification Service Codes
Code	Summary	Description
A	Partial match	Street address matches, but 5- and 9-digit postal codes do not match.
B	Partial match	Street address matches, but postal code not verified. Returned only for non U.S.-issued Visa cards.
C	No match	Street address and postal code do not match. Returned only for non U.S.-issued Visa cards.
D	Match	Street address and postal code match. Returned only for non U.S.-issued Visa cards.
E	Invalid	AVS data is invalid or AVS is not allowed for this card type.
F	Partial match	Card member’s name does not match, but postal code matches. Returned only for the American Express card type.
G	Not supported	Non-U.S. issuing bank does not support AVS.
H	Partial match	Card member’s name does not match. Street address and postal code match. Returned only for the American Express card type.
I	No match	Address not verified. Returned only for non U.S.-issued Visa cards.
K	Partial match	Card member’s name matches but billing address and billing postal code do not match. Returned only for the American Express card type.
L	Partial match	Card member’s name and billing postal code match, but billing address does not match. Returned only for the American Express card type.
N	No match	Street address and postal code do not match. or Card member’s name, street address and postal code do not match. Returned only for the American Express card type.
O	Partial match	Card member’s name and billing address match, but billing postal code does not match. Returned only for the American Express card type.
P	Partial match	Postal code matches, but street address not verified. Returned only for non-U.S.-issued Visa cards.
R	System unavailable	System unavailable.
S	Not supported	U.S.-issuing bank does not support AVS.
T	Partial match	Card member’s name does not match, but street address matches. Returned only for the American Express card type.
U	System unavailable	Address information unavailable. Returned if non-U.S. AVS is not available or if the AVS in a U.S. bank is not functioning properly.
V	Partial match	Card member’s name, billing address, and billing postal code match. Returned only for the American Express card type.
W	Partial match	Street address does not match, but 9-digit postal code matches.
X	Match	Exact match. Street address and 9-digit postal code match.
Y	Match	Exact match. Street address and 5-digit postal code match.
Z	Partial Match	Street address does not match, but 5-digit postal code matches.
1	Not supported	CyberSource AVS code. AVS is not supported for this processor or card type.
2	Invalid	CyberSource AVS code. The processor returned an unrecognized value for the AVS response.

When you request a credit card authorization, you can include the customer’s card verification number, a three-digit number printed on the back of Visa and MasterCard credit cards near the cardholder’s signature. If the customer cannot provide the correct number, the transaction may be fraudulent. The following table describes each card verification result code.

The following payment processors support card verification numbers for Visa and MasterCard:

If you use Smart Authorization to evaluate the risk of your orders, you receive factor codes that show which parts of an order appeared to be risky. You receive factor codes for any order that shows risk, even if Smart Authorization does not decline the order.

**Table 5** Card Verification Codes
Code	Description
D	Transaction determined suspicious by issuing bank.
I	Card verification number failed processor's data validation check.
M	Card verification number matched.
N	Card verification number not matched.
P	Card verification number not processed by processor for unspecified reason.
S	Card verification number is on the card but was not included in the request.
U	Card verification is not supported by the issuing bank.
X	Card verification is not supported by the card association.
1	Card verification is not supported for this processor or card type.
2	Unrecognized result code returned by processor for card verification response.
3	No result code returned by processor.

The following table describes each factor code that Smart Authorization can return. To use Smart Authorization, define your settings in the Business Center. For detailed information about how to choose which factor codes result in a Smart Authorization decline, see Configuring Smart Authorization.

Payment Processors	Credit Card Types
Concord EFS	Visa, MasterCard, American Express, Discover, Diners Club
First Data Merchant Services - Nashville	Visa, MasterCard, American Express, Discover
First Data Merchant Services - South	Visa, MasterCard, American Express, Discover, Diners Club
Paymentech - New Hampshire	• Visa (billing country must be U.S., Canada, or Great Britain) • American Express (billing country must be U.S. or Canada) • MasterCard, Discover, Diners Club (billing country must be U.S.)
Vital Processing Services	Visa, MasterCard, American Express, Diners Club (billing country must be U.S.)

FDMS Nashville	Paymentech New Hampshire
FDMS South	Vital

Code	Description
J	Billing and shipping address do not match.
M	Cost of the order exceeds the maximum transaction amount.
N	Nonsensical input in the customer name or address fields.
O	Obscenities in the order form.
U	Unverifiable billing or shipping address.
X	Order does not comply with the USA PATRIOT Act.