AVS/CVV Responses

Type

Code

Message

AVS

00

AVS Error - Retry, System unavailable or Timed out

AVS

40

Address not available (Address not verified)

AVS

43

Street address not available (not verified), ZIP matches

AVS

44

Address failed

AVS

45

Street address and ZIP don't match

AVS

46

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

AVS

47

Street address doesn't match, 9-digit ZIP matches

AVS

4A

Street address or ZIP doesn't match

AVS

4D

Street address matches, ZIP does not

AVS

4E

Street address and 5-digit ZIP match

AVS

4F

Street address and ZIP match

AVS

53

Account holder name incorrect, billing postal code matches

AVS

55

Unrecognized response

AVS

5C

Account holder name incorrect, billing address matches

AVS

5F

Account holder name incorrect, billing address and postal code match

AVS

70

Account holder name matches

AVS

73

Account holder name and billing postal code match

AVS

7C

Account holder name and billing address match

AVS

7F

Account holder name, billing address and postal code match

AVS

80

AVS service not supported by issuer - Issuer doesn't participate in AVS

CVV

M

Matches

CVV

N

No Match

CVV

P

Not Processed

CVV

S

Should be Present

CVV

U

Issuer is not certified

CVV

X

Unrecognized reason

CVV Interaction

Q: If the customer specifies the correct credit card account number, but incorrect CVV2 information, will the overall SALE or AUTH transaction succeed or fail?

A: It usually will fail but it is controlled by the processor. We've seen credit-card processors who would return an error code, but still process the transaction as if no error had occurred, leaving it up to the integrator to void the transaction if needed.

FOLLOW UP QUESTION

Q: I see that I do not have access to credit card CVV code when I receive a transaction response using BridgePay. Our customers might need this information. Is there anyway to add this to the response to the transaction?

A: The CVV codes can not be stored due to PCI compliance regulations. The only time the CVV codes are available are when they are initially entered into the system.

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