Decode AVS & CVV codes.
What each AVS and CVV2 response code means, and whether to accept, review or decline. A clear reference for your fraud rules.
Full AVS code reference
| Code | Meaning | Suggested action |
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Full CVV code reference
| Code | Meaning | Suggested action |
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How to read AVS and CVV results
AVS (Address Verification Service) compares the street number and ZIP/postcode the shopper typed with what the issuing bank has on file. CVV2/CVC2 verification confirms the 3 or 4 digit security code. Neither blocks a transaction on its own, they come back alongside the authorization so you can decide whether to accept, review or decline.
Rejecting every partial AVS mismatch throws away good international orders, because many non-US banks do not support full AVS. The art is accepting the right mismatches. Unlimited lets you set AVS and CVV rules per gateway and per BIN, instead of one blunt rule for the whole book.