AVS (Address Verification Service) is a fraud mitigation service that verifies if a billing address matches the address of a cardholder in the record of issuer bank. Major Card Networks like Visa, Mastercard, Discover and Amex offer AVS in US, UK and Canada.

When transactions have the AVS information (specifically ZIP code and issuing country), they are safer and carry lower risk—and therefore are lower cost.

A new fee - AVS Failed fee will be charged to the customers when the AVS fails for a card that needs to be saved. Customers can choose to accept or decline the fee within a grace period.

Important

  • Existing customers can choose to either accept or decline the AVS Failed fee during a stipulated time frame i.e. the grace period.

  • For all new customers, AVS Failed fee is mandatory.

  • Users with appropriate permission (Configure Payments Settings) can take a decision to accept or decline the AVS Failed fee.

Accept the AVS Failed fee if:

  • you want to use previously saved cards without the ZIP code.

  • you want to retain the flexibility of not collecting ZIP code every time you save a card, for example when your guest is in a hurry​.

  • you have Memberships and want transactions to succeed even if the billing ZIP code changes, etc.

​Decline the AVS Failed fee if:​

  • you do not intend to use cards already saved but which are missing a ZIP code.

  • you plan to always collect the ZIP code.

  • are ok with transactions failing when the ZIP code is incorrect.

Grace period​

Existing customers will have a stipulated time, called the grace period to decide whether to accept or decline the AVS Failed fee. The fee is applied immediately once its accepted.

​Owners will have an option to reconsider a decline within the grace period.


​If AVS Failed fee is ​declined ​​during ​​the grace period,

For new cards

For saved cards


AVS is not mandatory

A card label indicates the correctness of the ZIP code

Transaction will decline with incorrect ZIP code

Transaction is not declined even with incorrect ZIP code

If the guest is paying without wanting to save the card, AVS is not asked.

​You can add the correct ZIP code for the transaction. You can skip adding/modifying the ZIP code

​If AVS Failed fee is ​accepted ​​during ​​the grace period,

For new cards

For saved cards

AVS is not mandatory

​A card label indicates the correctness of the ZIP code

You can ask a guest to provide the AVS for a cheaper transaction

​You can add the correct ZIP code for the transaction

Transaction will not be declined even with an incorrect ZIP code

​You can skip adding/modifying the ZIP code

If the guest is paying without wanting to save the card, AVS is not asked

​Transaction is not declined even with incorrect ZIP code

​If AVS Failed fee is ​declined ​​after ​​the grace period,

For new cards

For saved cards

AVS is made mandatory

​A card label indicates the correctness of the ZIP code

Transaction is declined with an incorrect ZIP code

​You can add the correct ZIP code for the transaction

AVS info is not asked if the guest does not want to store their card

​You cannot skip adding/modifying the ZIP code

Transaction is declined with an incorrect ZIP code

If AVS Failed fee is ​accepted after​​ the grace period,

For new cards

For saved cards

AVS is not mandatory

AVS can be skipped

You can ask a guest to provide the AVS for a cheaper transaction

You can ask a guest to provide the zip code for a cheaper transaction

​Transaction is not declined even with an incorrect ZIP code

A card label indicates the correctness of the ZIP code

Transaction is not declined even with an incorrect ZIP code

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