AVS, CVV2, and payment advice response codes
API
Last updated: Sept 18th, 5:10pm
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AVS error response codes
AVS response codes for Visa, MasterCard, Discover, and American Express
Note: Merchants who use Website Payments Pro for an American Express payment receive a different set of AVS response codes.
| AVS code | Meaning | Matched details |
|---|---|---|
A |
Address | Address only (no ZIP code) |
B |
International "A" | Address only (no ZIP code) |
C |
International "N" | None Note: The transaction is declined. |
D |
International "X" | Address and Postal Code |
E |
Not allowed for MOTO (Internet/Phone) transactions | Not applicable Note: The transaction is declined. |
F |
UK-specific "X" | Address and Postal Code |
G |
Global Unavailable | Not applicable |
I |
International Unavailable | Not applicable |
M |
Address | Address and Postal Code |
N |
No | None Note: The transaction is declined. |
P |
Postal (International "Z") | Postal Code only (no Address) |
R |
Retry | Not applicable |
S |
Service not Supported | Not applicable |
U |
Unavailable | Not applicable |
W |
Whole ZIP | Nine-digit ZIP code (no Address) |
X |
Exact match | Address and nine-digit ZIP code |
Y |
Yes | Address and five-digit ZIP |
Z |
ZIP | Five-digit ZIP code (no Address) |
| All others | Error | Not applicable |
AVS response codes for Maestro
| AVS code | Meaning | Matched details |
|---|---|---|
0 |
All the address information matched. | All information matched |
1 |
None of the address information matched. | None Note: The transaction is declined. |
2 |
Part of the address information matched. | Partial |
3 |
The merchant did not provide AVS information. Not processed. | Not applicable |
4, U
Note: Either a number or a letter is returned. |
Address not checked, or acquirer had no response. Service not available. | Not applicable |
Null |
No AVS response was obtained. Default value of field. | Not applicable |
AVS response codes for American Express
| Code | Description |
|---|---|
A |
Card holder address only correct. |
D |
Card holder vame incorrect, postal code matches. |
E |
Card holder name incorrect, address and postal code match. |
F |
Card holder name incorrect, address matches. |
K |
Card holder name matches. |
L |
Card holder name and postal code match. |
M |
Card holder name, address and postal code match. |
N |
No, card holder address and postal code are both incorrect. |
O |
Card holder name and address match. |
R |
System unavailable; retry. |
S |
Service not supported. |
U |
Information unavailable. |
W |
No, card holder name, address and postal code are all incorrect. |
Y |
Yes, card holder address and postal code are both correct. |
Z |
Card holder postal code only correct. |
CVV2 error response codes
CVV2 response codes for Visa, MasterCard, Discover, and American Express
| CVV2 code | Meaning | Matched details |
|---|---|---|
E |
Error - Unrecognized or Unknown response | Not applicable |
I |
Invalid or Null | Not applicable |
M |
Match | CVV2 / CSC |
N |
No match | None |
P |
Not processed | Not applicable |
S |
Service not supported | Not applicable |
U |
Unknown - Issuer is not certified | Not applicable |
X |
No response | Not applicable |
| All others | Error | Not applicable |
CVV2 response codes for Maestro
| CVV2 code | Meaning | Matched details |
|---|---|---|
0 |
Matched | CVV2 |
1 |
No match | None |
2 |
The merchant has not implemented CVV2 code handling | Not applicable |
3 |
Merchant has indicated that CVV2 is not present on card | Not applicable |
4, X
Note: Either a number or a letter is returned. |
Service not available | Not applicable |
| All others | Error | Not applicable |
Payment Advice Codes for declined payments
For more information about declined payments, see the Website Payments Pro integration guide.
MasterCard response values and definitions
| Response code | Possible reason for decline | Suggested action |
|---|---|---|
01 (New account information). |
Expired Card Account upgrade, or Portfolio Sale Conversion. | Obtain new account information before next billing cycle. |
02 (Try again later). |
Over Credit Limit, or insufficient funds. Retry the transaction 72 hours later. | |
03 (Do not try again. Obtain another type of payment from customer due to account being closed or fraud). |
Account Closed Fraudulent. | Obtain another type of payment from customer. |
21 (Do not try again. Card holder has canceled recurring charge). |
Card holder has been unsuccessful at canceling recurring payment through merchant. | Stop recurring payment requests. |
Visa response values and definitions
| Response code | Possible reason for decline | Suggested action |
|---|---|---|
02 (Stop a specific payment). |
Card holder wants to stop only one specific payment in the recurring payment relationship. | The merchant must NOT resubmit the same transaction. The merchant can continue the billing process in the subsequent billing period. |
03 (Revoke authorization for further payments). |
Card holder wants to stop all recurring payment transactions for a specific merchant. | Stop recurring payment requests. |
21 (Cancel all recurring payments for the card number in the request). |
All recurring payments have been canceled for the card number requested. | Stop recurring payment requests. |