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Our AVS is not always accurate. We have been using CyberSoure as our payment gateway for the past year. When our orders decline via AVS invalid, we contact the customer, and he or she informs us that this is the correct billing address. We contact the issuer's bank to verify it, and according to them it is the correct billing address. Why does this happen? How come the AVS decline orders when it should process them? Should we switch to a new payment processor or is this common for all companies?
I've heard it said (here, maybe?) that AVS hits the card company's systems (e.g. Visa), not the issuing bank, and that it's possible for the AVS data associated with the card to be out of sync with the data on file with the issuing bank. Does anyone familiar with the mechanics of card clearing know if that's true?
Have you called the gateway and asked them?
Does it happen often? It sounds like it takes up quote a bit of time to verify it. What about using the virtual terminal? Did you try it there and see if the AVS does not match on the same order?
You got it.
800.847.2750 opt 1
Thats Visa's automated address verification system. If the order failed AVS but the issuing bank says the address is correct, you can use that to see who is right.
We have also had problems in particular with Credit Unions