AVS, CVV2, and payment advice response codes

AVS response codes

AVS response codes for Visa, MasterCard, Discover, and American Express

Note: Merchants using 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.