AVS, CVV2, and payment advice response codes
API
Last updated: Aug 15th, 6:16am
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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, UNote: 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, XNote: 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. |