Card AVS (Address Verification)

If a payment declines with a status_code of invalid_address, that means that the billing address information provided was incorrect. Every card transaction has an avs attribute with the result of the address verification check. See the table below for a list of all valid avs values:

AVS Code Description
unknown No address verification performed
no_match None of the billing address fields provided were valid
zip Only the billing zip code matched
street Only the billing street address matched
street_and_zip Both the billing zip code and street address matched

By default, an avs response value of either unknown, no_match, or street for a card payment will result in an invalid_address decline. Note: The decline threshold for address verification can be adjusted, contact our support team for more information.

Testing AVS responses

To test the various possible avs responses in a sandbox environment, any street address with a street number of 999 will be recognized as an invalid street and any postal code with a value of 99999 will be recognized as an invalid zip. See the billing address combinations below:

Triggering the unknown avs response:

// Provide card details without billing information
// This will generally result in a decline
{
  "type": "payment",
  "amount": 1,
  "payment_method": {
    "card": {
      "card_number": "4111 1111 1111 1111",
      "expiry": "12/25",
      "card_code": "123"
    }
  }
}

Triggering the no_match avs response:

{
  "type": "payment",
  "amount": 1,
  "payment_method": {
    "card": {
      "card_number": "4111 1111 1111 1111",
      "expiry": "12/25",
      "card_code": "123"
    },
    "billing_address": {

      // 999 as the street number
      "street_address1": "999 Example St",

      // 99999 as the postal code
      "postal_code": "99999"
    }
  }
}

Triggering the zip avs response:

{
  "type": "payment",
  "amount": 1,
  "payment_method": {
    "card": {
      "card_number": "4111 1111 1111 1111",
      "expiry": "12/25",
      "card_code": "123"
    },
    "billing_address": {
      // 999 as the street number
      "street_address1": "999 Example St",

      // Any value other than 99999 as the postal code
      "postal_code": "11111"
    }
  }
}

Triggering the street avs response:

{
  "type": "payment",
  "amount": 1,
  "payment_method": {
    "card": {
      "card_number": "4111 1111 1111 1111",
      "expiry": "12/25",
      "card_code": "123"
    },
    "billing_address": {
      // Any value other than 999 as the street number
      "street_address1": "123 Example St",

      // 99999 as the postal code
      "postal_code": "99999"
    }
  }
}

Triggering the street_and_zip avs response:

{
  "type": "payment",
  "amount": 1,
  "payment_method": {
    "card": {
      "card_number": "4111 1111 1111 1111",
      "expiry": "12/25",
      "card_code": "123"
    },
    "billing_address": {
      // Any value other than 999 as the street number
      "street_address1": "123 Example St",

      // Any value other than 99999 as the postal code
      "postal_code": "11111"
    }
  }
}