Section 1. AVS Basics AVS attempts
to match the billing address entered as part of the ordering process
against the address listed on the credit card statement, as recorded
by the Visa/MC Interchanges. To overcome the problems with abbreviations,
misspelling, etc... The AVS strips away all letters and attempts the
match only the numbers in the street addresses and the zip code. No
street names or the name of the state are checked during this process.
The AVS information is only obtained back from the processor after
an authorization is performed. If the merchant wishes to reject transactions
which fail to meet the desired AVS matching level, then the system
will perform an immediate void of the transaction, inform the consumer
that their address did not match and allow the consumer to enter a
new address. Since an authorization has already occurred, most merchant
processors will assess their per transaction fee for this authorization
even though the transaction was voided.
Because AVS information is also only available on Credit Cards issued
through US banks, merchants who wish to accept orders from international
customers must select a less stringent matching rule or they will
end up rejecting those orders.
Section 2. Setting AVS and Levels
AVS can be activated on your entire account by setting an AVS level
in your FraudTrak2 link. The FraudTrak2 link is located in your administration
area..
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Level
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Description
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-1
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Allow AVS Level to be set dynamically. (Set this level in your FraudTrak2 admin area only.)
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0
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Anything Goes. No transaction is rejected based on AVS.
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1
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Requires a match of Zip Code or Street Address, but will allow cards where the address information is not available. (Only 'N' responses will be voided)
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3
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Requires match of Zip Code or Street Address. All other transactions voided; including those where the address information is not available.
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4
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Requires match of Street Address or a exact match (Zip Code and Street Address). All other transactions voided; including those where the address information is not available.
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5
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Requires exact match of Zip Code and Street Address. All other transactions voided; including those where the address information is not available.
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6
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Requires exact match of Zip Code and Street Address, but will allows cards where the address information is not available.
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