Worldline

Address Verification Service (AVS)

The Address Verification Service (AVS) is used as an additional layer of fraud protection for card-not-present transactions. By providing the cardholder’s address details as part of the authorization, you enable the issuer to compare/verify cardholder's address with the one stored in their database. AVS results can help you determine the fair use of a card and therefore minimize fraud.

Although AVS is established worldwide, keep in mind that some issuers may not support it or the amount of information the check produces may vary depending on the card scheme.

Perform AVS

To perform the address verification during an authorization, You must include cardPaymentData.ecommerceData.addressVerificationData object as part of your create payment request.

{
    "addressVerificationData": {
        "cardholderAddress": "Street 1",
        "cardholderPostalCode": "12345"
    }
}

The outcome of AVS check performed by an issuer will be returned in the response property cardPaymentData.ecommerceData.addressVerificationResult along with other authorization related properties. Below are the possible values with which you can decide on your next course of action.

Value	Explanation	Recommended action
MATCH	Address verification succeeded, completely matches with the records maintained by an issuer.	Proceed with transaction if you have received an authorization approval.
ADDRESS_MATCH_POSTAL_CODE_MISMATCH	These are partial match scenarios. This could be the result of the issuer having the wrong information with them the cardholder providing incorrect or partial information a potentially fraudulent transaction	Unless you provided partial information in the request and it matched, you may need to be cautious in accepting the transaction.
ADDRESS_MISMATCH_POSTAL_CODE_MATCH
ADDRESS_MATCH_POSTAL_CODE_NOT_VERIFIED
ADDRESS_NOT_VERIFIED_POSTAL_CODE_MATCH
ERROR	Address verification ended in an error situation due to technical failure.	Proceed with transaction if other verification process succeeds or retry later.
NOT_VERIFIED	Address verification was not performed due to the issuer not supporting it or for unknown reason.	Proceed with transaction or retry later.
MISMATCH	Address verification failed due to a complete mismatch and the transaction could be a fraudulent one.	This situation clearly warrants further investigation.