AVS filters and how to enable them.
Address Verification System (AVS) Overview
Address Verification System is an optional merchant service offered by Visa, Discover, MasterCard, and American Express. It is designed to reduce the fraudulent use of card numbers for Mail Order/Telephone Orders (MOTO) and eCommerce industry types, where the card is not present (CNP) and merchandise is to be shipped or distributed online. The information provided by this service is intended to help merchants make more informed decisions about transactions and thereby reduce the number of fraudulent transactions, charge-backs, and cardholder/merchant disputes.
Merchant administrators have the ability to set up filters for the Address Verification Service. Filters are set out the terminal level.
- Log in to the Exact Pay Gateway Admin
- Go to Administration
- Select Terminals
- Select the terminal the filter(s) will be set up on
- Select the "AVS Filters" tab
- Select the checkboxes of the responses for which you would like the filter to block.
- Click "Update"
Example 1: To reject all transactions where the "No Address or ZIP Code match" in the response was returned, select the "No Address or ZIP Code match" checkbox.
Example 2: To reject all transactions where the "No Address or ZIP Code match" and "System unavailable, retry later" responses are returned, select the "No Address or ZIP Code match" and "System unavailable, retry later" checkboxes.
Please note that not all banks return a response when cardholder verification data is sent and a filter will not cover this situation.
An example of a possible AVS filter configuration