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What is AVS?

The Address Verification System (AVS) is an anti-fraud function that verifies the billing address of the cardholder. 

The AVS system compares the billing address provided by the consumer during his purchase with that recorded by his bank for the use of his credit card. AVS exists only on a limited number of acquirers and card types and only for a limited set of countries.

Compatible buyers are: Barclaycard, Worldpay and EMS.

Eligible cards are: Visa, Mastercard, American Express.

AVS is active in Great Britain, Canada and the United States.  

Operation

To use AVS, you must provide the consumer's full address using the billingAddress element  of the payment authorization request, as shown below:

<billingAddress>
    <title>M</title>
    <name xsi:nil="true"/>
    <firstName>Prénom</firstName>
    <lastName>Nomdefamille</lastName>
    <street1>260 rue Claude Nicolas Ledoux</street1>
    <street2>Batiment 2</street2>
    <cityName>Aix-en-provence</cityName>
    <zipCode>13100</zipCode>
    <country>FRA</country>
    <phone xsi:nil="true"/>
    <state xsi:nil="true"/>
</billingAddress>

API version

You must use version 17 or later of the Payline API to use the AVS feature.


When you submit the billingAddress object , provide the following:

street1 - fill in the number and street name.

street2 - required, if available.

cityName - not required

zipCode - always necessary.

country - not required

state - not required


You must make sure to send in the street1 and street2 elements of the billing address the numeric symbols for the digits. Example: " 1 rue des Beaumonts" and not " a street Beaumonts".

The results of the audit


AVS response codes are specific to card networks and acquirers. In order to simplify the use of AVS, we have mapped these different response codes to our generic response codes.

Thus the result of the AVS is returned in the element  avs  composed of two fields:

result - result code generic AVS

resultFromAcquirer  - AVS specific result code for each acquirer


The avs element  is added to  the transaction object  when the transaction is performed on a contract where the AVS is enabled. Contact the Payline support team to request activation of the AVS control.


<transaction>
  <obj:id>17194165758191</obj:id>
  <obj:date>13/07/2017 16:57:58</obj:date>
  <obj:isDuplicated>0</obj:isDuplicated>
  <obj:isPossibleFraud>0</obj:isPossibleFraud>
  <obj:fraudResult/>
  <obj:explanation/>
  <obj:threeDSecure>N</obj:threeDSecure>
  <obj:score>0</obj:score>
  <obj:avs>
    <obj:result>0</obj:result>
    <obj:resultFromAcquirer>22</obj:resultresultFromAcquirer>
  </obj:avs>
</transaction>


The values ​​of the AVS response code are as follows: 


Code

Description

0

Total correspondence

1

Address match, not postal code

2

Correspondence of the postal code, not the address

3

No correspondence

4

Check not carried out (no data, function not supported, technical problem, timeout, ...)



You can test the AVS using the following postal codes:

Code postal
Result code AVS
684000
654001
804002
784003
674004