AVS showed invalid Address, but actually it is valid.

AVS in payment processor not always accurate.

[SafetySaves]

Hello,

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?

[akmac]

Does this happen with customers that only provide one address for billing/shipping?

It could be an error with your gateway trying to use the shipping address for the billing address.

[jollymcfats]

I see this regularly with all of the processors we use.

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?

[topguy29]

I have not had this problem myself and I use the LinkPoint gateway. If the AVS comes back declined - I call the customer and they have entered the incorrect information but never had it just be wrong thru the gateway.

Have you called the gateway and asked them?

[Corey Bryant]

I would contact the gateway as suggested. It could be something between the gateway and the platform that Cybersource is using. I am not certain but I think they use Nova.

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?

-Corey

[fraud master]

"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?"

^^
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.

[Bewenched]

We have had problems in the past where some debit and credit cards are not authorized for internet use right off the bat. Customers have had to call their bank or CC company to have that feature turned on.

We have also had problems in particular with Credit Unions