Handling of CVV and AVS Responses

Owned by Mark Mauer
Last updated: Jul 12, 2023

BridgePay Gateway

Testing BPN UAT environment

The following street address and ZIP codes combinations will trigger specified AVS results in the BridgePay Network Solutions Test (UAT) Environment - Not for Production
NOTE: Account verification restriction to the 4111111111111111 card should be removed. All valid card numbers will be supported for the above mentioned transaction types.

Street Address

ZIP Code

Results in AVS Response Code

AVS Response Message

Provided or Not

11111

00

AVS Error – Retry, System unavailable or Timed out

Not Provided or does not begin with 8320

22222

46

Street address doesn’t match, 5-digit ZIP matches

Must begin with 8320

22222

4E

Street address and 5-digit ZIP match

Provided or Not

33333

43

Street address not available (not verified), ZIP matches

Provided or Not

44444 or Not Provided

40

Address not available (Address not verified)

Must begin with 8320

55555

4F

Street address and ZIP matches

Must begin with 8320

Any Zip not listed above

4D

Street address matches, zip does not

CVV Verification

CVV numbers: AMEX 1234 or 1111, All Others 999 or 111

Card Type

CVV Number

CVResult

CVMessage

Amex

1234 or 1111

M

Matches

All others

999 or 111

M

Matches

Amex

Provided but none of those listed above

N

No Match

All others

Provided but none of those listed above

N

No Match

All Card Types

Not Provided

null

no value returned in message

Account Verification Gateway Results

NOTE: If using TSYS set TransIndustryType to "DM"

As part of testing account verification, the combination of the above Street, Zip, and CVV values will trigger results as follows.

AVS Result

CVV Result

BridgePay Response Code

BridgePay Message

4E, 4F, 40, 7F

M

A01

Approved (EXACT MATCH)

00, 46, 43, 4D, null

M

A01

Approved (CARD OK)

4E, 4F, 43

N

A01

Approved (CARD OK)

46, 4E, 43, 4F, 4D, null

null

A01

Approved (CARD OK)

00, 40, 46, 4D

N

D01

Denied by customer's bank (DECLINE)

00, 40

null

D01

Denied by customer's bank (DECLINE)

 Any account-verification request sent with exp-date of 12/99 will result in a decline.

TPI Gateway

On the TPI gateway the match or not matches response is sent back from the processor. There is an interface within TPI’s UI that allows the gateway to decline or approve the transaction based upon the CVV response from the processor.  This is processor dependent since some processors want to fully control whether they approve a transaction based on CVV match. In general, this only works with terminal processors.

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