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What is the Address Verification Service (AVS)?

Find out how AVS compares billing-address details to help assess card-payment risk

Address Verification Service (AVS) is a fraud-prevention check used for eligible card payments. It compares the billing-address information provided by the shopper with the information held by the card issuer.

Where AVS is supported, the issuer returns a response showing how closely the details match. The response may show:

  • A full match.
  • A partial match, such as the postcode matching but not the street address.
  • No match.
  • That an AVS result is unavailable or unsupported.

AVS is commonly used for card-not-present payments. Availability and the details checked can vary by country, card scheme and card issuer.

Note: This only applies to Ecom and Moto transactions.

Important: An AVS match does not guarantee that a payment is genuine, and a mismatch does not always mean the payment is fraudulent. Consider the AVS response alongside other checks, such as 3-D Secure, CVV/CVC results and your wider fraud controls.