US/Canada banks that do not support AVS

for Visa and MC

[ruslan]

Hello ,

we are looking for credit card processor provider for our internet store
i have questions about AVS:

does it works with credit cards (Visa, MC) issued by all US and Canada
banks? if not, then what banks are not covered (we will not work with
cards from those banks and we want to make an estimate of losses)
how does it work with cards from international banks with
international addresses?

thank you
- ruslan

[derekwong28]

We use Worldpay and it does not support AVS from any US and Canadian banks. Yet the bulk of our orders come from the US and there had been very few fraud attempts there. Worldpay does provide a facility called code10 where they will manually check the AVS for you and this service applies to all countries.

My point is that if you are dealing with US and Canadian customers only, you may well be losing a lot of business unneccessarily if you have this restriction in place.

[jacker]

Ruslan

AVS works with VISA and MC, therefore it does not limit your ability to accept any payments because a certain customer is from a certain bank...

AVS simply verifies the address entered as "Billing Address" against the address that the credit card statements are sent to. There is a chance that orders will be dropped because a shipping address is located too far a distance from the billing address. In this case, orders are usually manually verified and then declined or captured.

For check processing, it is a different story because it is the address associated with the banka account, etc... But for CC, there shouldn't be any problems.

Cheers
James