AVS Mismatch in authorize.net

Hey all,

Just wondering what the details are on an AVS Mismatch causing a
declination. I see that it means that the billing (or is it shipping?)
address does not match that address of the cardholder.

Authorize.net is declining these transactions automatically, but should the
store really be declining them? What are the risks involved?

Thanks in advance :)




Michael Willis
Vision Marketing
www.vision-marketing.com
(631) 472-0500

AVS Mismatch in authorize.net



AuthorizeNet does not decline them automatically. You have to manually
turn on AVS checking.

Depending on what selections you make, the order will be declined based
on the criteria you specify it to decline on.

It is up to you as the merchant to verify your orders and take the
precautions you feel necessary to protect yourself. If an order looks
funky for any reason, I'd always investigate first, before shipping
product.

Vic Vega
WolfPaw Computers
Miva Merchant Hosting Specialists
"Put the power of the pack to work for you!"(sm)
Ph: 1 (866) WOLFPAW
www.wpcomp.com


-----Original Message-----
From: [email protected]
[mailto:[email protected]] On Behalf Of Michael Willis
Sent: Wednesday, April 21, 2004 11:32 AM
To: Miva Help List
Subject: [mru] AVS Mismatch in authorize.net


Hey all,

Just wondering what the details are on an AVS Mismatch causing a
declination. I see that it means that the billing (or is it shipping?)
address does not match that address of the cardholder.

Authorize.net is declining these transactions automatically, but should
the store really be declining them? What are the risks involved?

Thanks in advance :)




Michael Willis
Vision Marketing
www.vision-marketing.com
(631) 472-0500

AVS Mismatch in authorize.net



As of sometime before yesterday, they do decline many of them automatically.
This authorize.net account was created about 2 weeks ago, so I assume it was
prior to that. I emailed auth.net support and asked them about it, they sent
me an informative response that I quoted below.

Anyway we'll have to go in and manually determine which cases we want to be
accepted, in addition to the 4 that are accepted by default. Thanks for the
info



"Authorize.Net initiated standard, high-security default AVS (Address
Verification System) settings to every account in order to better protect
merchants against fraud. The settings are set to reject all transactions as
described below.

AVS Response Codes and Meanings: (codes marked below will be defaulted to
REJECT)

A = Address (Street) matches, ZIP does not (REJECT)
B = Address information not provided for AVS check (REJECT)
E = AVS error (REJECT)
G = Non U.S. Card Issuing Bank (REJECT)
N = No Match on Address (Street) or ZIP (REJECT)
P = AVS not applicable for this transaction (REJECT)
R = Retry - System unavailable or timed out (REJECT)
S = Service not supported by issuer (REJECT)
U = Address information is unavailable (REJECT)

AVS Response Codes and Meanings: (codes marked below will be ACCEPTED)

X = Address (Street) and 9 digit ZIP match
Y = Address (Street) and 5 digit ZIP match
W = 9 digit ZIP matches, Address (Street) does not
Z = 5 digit ZIP matches, Address (Street) does not "



-----Original Message-----
From: WolfPaw Computers - Miva List [mailto:[email protected]]
Sent: Wednesday, April 21, 2004 1:47 PM
To: 'Michael Willis'; 'Miva Help List'
Subject: RE: [mru] AVS Mismatch in authorize.net


AuthorizeNet does not decline them automatically. You have to manually
turn on AVS checking.

Depending on what selections you make, the order will be declined based
on the criteria you specify it to decline on.

It is up to you as the merchant to verify your orders and take the
precautions you feel necessary to protect yourself. If an order looks
funky for any reason, I'd always investigate first, before shipping
product.

Vic Vega
WolfPaw Computers
Miva Merchant Hosting Specialists
"Put the power of the pack to work for you!"(sm)
Ph: 1 (866) WOLFPAW
www.wpcomp.com


-----Original Message-----
From: [email protected]
[mailto:[email protected]] On Behalf Of Michael Willis
Sent: Wednesday, April 21, 2004 11:32 AM
To: Miva Help List
Subject: [mru] AVS Mismatch in authorize.net


Hey all,

Just wondering what the details are on an AVS Mismatch causing a
declination. I see that it means that the billing (or is it shipping?)
address does not match that address of the cardholder.

Authorize.net is declining these transactions automatically, but should
the store really be declining them? What are the risks involved?

Thanks in advance :)




Michael Willis
Vision Marketing
www.vision-marketing.com
(631) 472-0500

AVS Mismatch in authorize.net



Ah, then that is new. Last time I set up AuthNet for a client AVS was
at the merchant's option.

Thanks for the update.

-Vic

-----Original Message-----
From: Michael Willis [mailto:[email protected]]
Sent: Wednesday, April 21, 2004 1:04 PM
To: [email protected]; 'Miva Help List'
Subject: RE: [mru] AVS Mismatch in authorize.net


As of sometime before yesterday, they do decline many of them
automatically. This authorize.net account was created about 2 weeks ago,
so I assume it was prior to that. I emailed auth.net support and asked
them about it, they sent me an informative response that I quoted below.

Anyway we'll have to go in and manually determine which cases we want to
be accepted, in addition to the 4 that are accepted by default. Thanks
for the info



"Authorize.Net initiated standard, high-security default AVS (Address
Verification System) settings to every account in order to better
protect merchants against fraud. The settings are set to reject all
transactions as described below.

AVS Response Codes and Meanings: (codes marked below will be defaulted
to
REJECT)

A = Address (Street) matches, ZIP does not (REJECT)
B = Address information not provided for AVS check (REJECT)
E = AVS error (REJECT)
G = Non U.S. Card Issuing Bank (REJECT)
N = No Match on Address (Street) or ZIP (REJECT)
P = AVS not applicable for this transaction (REJECT)
R = Retry - System unavailable or timed out (REJECT)
S = Service not supported by issuer (REJECT)
U = Address information is unavailable (REJECT)

AVS Response Codes and Meanings: (codes marked below will be ACCEPTED)

X = Address (Street) and 9 digit ZIP match
Y = Address (Street) and 5 digit ZIP match
W = 9 digit ZIP matches, Address (Street) does not
Z = 5 digit ZIP matches, Address (Street) does not "



-----Original Message-----
From: WolfPaw Computers - Miva List [mailto:[email protected]]
Sent: Wednesday, April 21, 2004 1:47 PM
To: 'Michael Willis'; 'Miva Help List'
Subject: RE: [mru] AVS Mismatch in authorize.net


AuthorizeNet does not decline them automatically. You have to manually
turn on AVS checking.

Depending on what selections you make, the order will be declined based
on the criteria you specify it to decline on.

It is up to you as the merchant to verify your orders and take the
precautions you feel necessary to protect yourself. If an order looks
funky for any reason, I'd always investigate first, before shipping
product.

Vic Vega
WolfPaw Computers
Miva Merchant Hosting Specialists
"Put the power of the pack to work for you!"(sm)
Ph: 1 (866) WOLFPAW
www.wpcomp.com


-----Original Message-----
From: [email protected]
[mailto:[email protected]] On Behalf Of Michael Willis
Sent: Wednesday, April 21, 2004 11:32 AM
To: Miva Help List
Subject: [mru] AVS Mismatch in authorize.net


Hey all,

Just wondering what the details are on an AVS Mismatch causing a
declination. I see that it means that the billing (or is it shipping?)
address does not match that address of the cardholder.

Authorize.net is declining these transactions automatically, but should
the store really be declining them? What are the risks involved?

Thanks in advance :)




Michael Willis
Vision Marketing
www.vision-marketing.com
(631) 472-0500

AVS Mismatch in authorize.net



no problem, took me a bit by surprise too, there are 3 orders that were
declined that don't look so horrible at all. Will have to make changes here
and get it working a bit better : )



Michael Willis
Vision Marketing
www.vision-marketing.com
(631) 472-0500

-----Original Message-----
From: WolfPaw Computers - Miva List [mailto:[email protected]]
Sent: Wednesday, April 21, 2004 2:11 PM
To: 'Michael Willis'; 'Miva Help List'
Subject: RE: [mru] AVS Mismatch in authorize.net


Ah, then that is new. Last time I set up AuthNet for a client AVS was
at the merchant's option.

Thanks for the update.

-Vic

-----Original Message-----
From: Michael Willis [mailto:[email protected]]
Sent: Wednesday, April 21, 2004 1:04 PM
To: [email protected]; 'Miva Help List'
Subject: RE: [mru] AVS Mismatch in authorize.net


As of sometime before yesterday, they do decline many of them
automatically. This authorize.net account was created about 2 weeks ago,
so I assume it was prior to that. I emailed auth.net support and asked
them about it, they sent me an informative response that I quoted below.

Anyway we'll have to go in and manually determine which cases we want to
be accepted, in addition to the 4 that are accepted by default. Thanks
for the info



"Authorize.Net initiated standard, high-security default AVS (Address
Verification System) settings to every account in order to better
protect merchants against fraud. The settings are set to reject all
transactions as described below.

AVS Response Codes and Meanings: (codes marked below will be defaulted
to
REJECT)

A = Address (Street) matches, ZIP does not (REJECT)
B = Address information not provided for AVS check (REJECT)
E = AVS error (REJECT)
G = Non U.S. Card Issuing Bank (REJECT)
N = No Match on Address (Street) or ZIP (REJECT)
P = AVS not applicable for this transaction (REJECT)
R = Retry - System unavailable or timed out (REJECT)
S = Service not supported by issuer (REJECT)
U = Address information is unavailable (REJECT)

AVS Response Codes and Meanings: (codes marked below will be ACCEPTED)

X = Address (Street) and 9 digit ZIP match
Y = Address (Street) and 5 digit ZIP match
W = 9 digit ZIP matches, Address (Street) does not
Z = 5 digit ZIP matches, Address (Street) does not "



-----Original Message-----
From: WolfPaw Computers - Miva List [mailto:[email protected]]
Sent: Wednesday, April 21, 2004 1:47 PM
To: 'Michael Willis'; 'Miva Help List'
Subject: RE: [mru] AVS Mismatch in authorize.net


AuthorizeNet does not decline them automatically. You have to manually
turn on AVS checking.

Depending on what selections you make, the order will be declined based
on the criteria you specify it to decline on.

It is up to you as the merchant to verify your orders and take the
precautions you feel necessary to protect yourself. If an order looks
funky for any reason, I'd always investigate first, before shipping
product.

Vic Vega
WolfPaw Computers
Miva Merchant Hosting Specialists
"Put the power of the pack to work for you!"(sm)
Ph: 1 (866) WOLFPAW
www.wpcomp.com


-----Original Message-----
From: [email protected]
[mailto:[email protected]] On Behalf Of Michael Willis
Sent: Wednesday, April 21, 2004 11:32 AM
To: Miva Help List
Subject: [mru] AVS Mismatch in authorize.net


Hey all,

Just wondering what the details are on an AVS Mismatch causing a
declination. I see that it means that the billing (or is it shipping?)
address does not match that address of the cardholder.

Authorize.net is declining these transactions automatically, but should
the store really be declining them? What are the risks involved?

Thanks in advance :)




Michael Willis
Vision Marketing
www.vision-marketing.com
(631) 472-0500

AVS Mismatch in authorize.net



I would suggest turning off all AVS.
Since you're paying for each authorization anyways, you're better off
manually checking any orders that fail AVS rather than having it done
automatically. There's many reasons why AVS might not match.
For my store, I have a lot of college students who order but don't
always put their billing address. In that case I get a failure but I
have no problems shipping out the order.

-----Original Message-----
From: [email protected]
[mailto:[email protected]] On Behalf Of Michael Willis
Sent: Wednesday, April 21, 2004 11:04 AM
To: [email protected]; 'Miva Help List'
Subject: RE: [mru] AVS Mismatch in authorize.net


As of sometime before yesterday, they do decline many of them
automatically. This authorize.net account was created about 2 weeks ago,
so I assume it was prior to that. I emailed auth.net support and asked
them about it, they sent me an informative response that I quoted below.

Anyway we'll have to go in and manually determine which cases we want to
be accepted, in addition to the 4 that are accepted by default. Thanks
for the info



"Authorize.Net initiated standard, high-security default AVS (Address
Verification System) settings to every account in order to better
protect merchants against fraud. The settings are set to reject all
transactions as described below.

AVS Response Codes and Meanings: (codes marked below will be defaulted
to
REJECT)

A = Address (Street) matches, ZIP does not (REJECT)
B = Address information not provided for AVS check (REJECT)
E = AVS error (REJECT)
G = Non U.S. Card Issuing Bank (REJECT)
N = No Match on Address (Street) or ZIP (REJECT)
P = AVS not applicable for this transaction (REJECT)
R = Retry - System unavailable or timed out (REJECT)
S = Service not supported by issuer (REJECT)
U = Address information is unavailable (REJECT)

AVS Response Codes and Meanings: (codes marked below will be ACCEPTED)

X = Address (Street) and 9 digit ZIP match
Y = Address (Street) and 5 digit ZIP match
W = 9 digit ZIP matches, Address (Street) does not
Z = 5 digit ZIP matches, Address (Street) does not "



-----Original Message-----
From: WolfPaw Computers - Miva List [mailto:[email protected]]
Sent: Wednesday, April 21, 2004 1:47 PM
To: 'Michael Willis'; 'Miva Help List'
Subject: RE: [mru] AVS Mismatch in authorize.net


AuthorizeNet does not decline them automatically. You have to manually
turn on AVS checking.

Depending on what selections you make, the order will be declined based
on the criteria you specify it to decline on.

It is up to you as the merchant to verify your orders and take the
precautions you feel necessary to protect yourself. If an order looks
funky for any reason, I'd always investigate first, before shipping
product.

Vic Vega
WolfPaw Computers
Miva Merchant Hosting Specialists
"Put the power of the pack to work for you!"(sm)
Ph: 1 (866) WOLFPAW
www.wpcomp.com


-----Original Message-----
From: [email protected]
[mailto:[email protected]] On Behalf Of Michael Willis
Sent: Wednesday, April 21, 2004 11:32 AM
To: Miva Help List
Subject: [mru] AVS Mismatch in authorize.net


Hey all,

Just wondering what the details are on an AVS Mismatch causing a
declination. I see that it means that the billing (or is it shipping?)
address does not match that address of the cardholder.

Authorize.net is declining these transactions automatically, but should
the store really be declining them? What are the risks involved?

Thanks in advance :)




Michael Willis
Vision Marketing
www.vision-marketing.com
(631) 472-0500

AVS Mismatch in authorize.net



This is really not a good thing - I think.
"N = No Match on Address (Street) or ZIP (REJECT)"

Means if the address fails OR the zip fails - reject.
So If I enter P.O. Box 414
And they think it should be PO Box 414 - it fails.

OR
RR3 Box 134 (my previous address)
but they say...
R.R. #3 Box 134 - failure

At least thats how it was explained to me.....

I can understand the zip deal - but the street address is way yo easy to
mess up.
Bill

-----Original Message-----
From: [email protected]
[mailto:[email protected]]On Behalf Of Michael Willis
Sent: Wednesday, April 21, 2004 2:04 PM
To: [email protected]; 'Miva Help List'
Subject: RE: [mru] AVS Mismatch in authorize.net


As of sometime before yesterday, they do decline many of them automatically.
This authorize.net account was created about 2 weeks ago, so I assume it was
prior to that. I emailed auth.net support and asked them about it, they sent
me an informative response that I quoted below.

Anyway we'll have to go in and manually determine which cases we want to be
accepted, in addition to the 4 that are accepted by default. Thanks for the
info



"Authorize.Net initiated standard, high-security default AVS (Address
Verification System) settings to every account in order to better protect
merchants against fraud. The settings are set to reject all transactions as
described below.

AVS Response Codes and Meanings: (codes marked below will be defaulted to
REJECT)

A = Address (Street) matches, ZIP does not (REJECT)
B = Address information not provided for AVS check (REJECT)
E = AVS error (REJECT)
G = Non U.S. Card Issuing Bank (REJECT)
N = No Match on Address (Street) or ZIP (REJECT)
P = AVS not applicable for this transaction (REJECT)
R = Retry - System unavailable or timed out (REJECT)
S = Service not supported by issuer (REJECT)
U = Address information is unavailable (REJECT)

AVS Response Codes and Meanings: (codes marked below will be ACCEPTED)

X = Address (Street) and 9 digit ZIP match
Y = Address (Street) and 5 digit ZIP match
W = 9 digit ZIP matches, Address (Street) does not
Z = 5 digit ZIP matches, Address (Street) does not "



-----Original Message-----
From: WolfPaw Computers - Miva List [mailto:[email protected]]
Sent: Wednesday, April 21, 2004 1:47 PM
To: 'Michael Willis'; 'Miva Help List'
Subject: RE: [mru] AVS Mismatch in authorize.net


AuthorizeNet does not decline them automatically. You have to manually
turn on AVS checking.

Depending on what selections you make, the order will be declined based
on the criteria you specify it to decline on.

It is up to you as the merchant to verify your orders and take the
precautions you feel necessary to protect yourself. If an order looks
funky for any reason, I'd always investigate first, before shipping
product.

Vic Vega
WolfPaw Computers
Miva Merchant Hosting Specialists
"Put the power of the pack to work for you!"(sm)
Ph: 1 (866) WOLFPAW
www.wpcomp.com


-----Original Message-----
From: [email protected]
[mailto:[email protected]] On Behalf Of Michael Willis
Sent: Wednesday, April 21, 2004 11:32 AM
To: Miva Help List
Subject: [mru] AVS Mismatch in authorize.net


Hey all,

Just wondering what the details are on an AVS Mismatch causing a
declination. I see that it means that the billing (or is it shipping?)
address does not match that address of the cardholder.

Authorize.net is declining these transactions automatically, but should
the store really be declining them? What are the risks involved?

Thanks in advance :)




Michael Willis
Vision Marketing
www.vision-marketing.com
(631) 472-0500

AVS Mismatch in authorize.net



AVS only matches the numerical portion of the street address
and ZIP code, so it doesn't matter at all how you type in
the street name or any other info that has letters in it -
it will be completely ignored.


Remik Kolodziej
dotCOM designers - Miva Business Partner
THE FASTEST Miva Merchant hosting servers - PERIOD!
<A HREF ="http://www.dotcomdesigners.com">http://www.dotcomdesigners.com</A>
888-321-6239 toll-free



----- Original Message -----
From: "Bill Gilligan" <[email protected]>
Sent: Wednesday, April 21, 2004 12:38 PM
Subject: RE: [mru] AVS Mismatch in authorize.net


> This is really not a good thing - I think.
> "N = No Match on Address (Street) or ZIP (REJECT)"
>
> Means if the address fails OR the zip fails - reject.
> So If I enter P.O. Box 414
> And they think it should be PO Box 414 - it fails.
>
> OR
> RR3 Box 134 (my previous address)
> but they say...
> R.R. #3 Box 134 - failure
>
> At least thats how it was explained to me.....
>
> I can understand the zip deal - but the street address is
> way yo easy to mess up.
> Bill