AVS, CVV2, and payment advice response codes
AVS 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 Amex
| Code |
Description |
A |
Card holder Address only correct. |
D |
Card holder Name 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 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. |