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- An address verification service (AVS) is a service provided by major credit card processors to enable merchants to authenticate ownership of a credit or debit card used by a customer. AVS is done as part of the merchant's request for authorization in a non-face-to-face credit card transaction. The credit card company or issuing bank automatically checks the billing address provided by the customer to the merchant against the billing address in its records, and reports back to the merchant who has the ultimate responsibility to determine whether or not to go ahead with a transaction. AVS can be used in addition to other security features of a credit card, such as the CVV2 number. Some countries, such as Denmark, do not permit banks to verify customer data. AVS is not available by all credit card providers, and not in all countries. It is generally not available for foreign credit cards; that is, cards issued in a country other than where it is being used. AVS is available in a number of countries, including the United States, Canada, and the United Kingdom. Though the checks can vary between card companies, AVS typically verifies only the numeric portions of a cardholder's billing address, resulting in certain anomalies like apartment numbers, which can cause false declines. However, this is reported to be a rare occurrence. For example, if the address is 101 Main Street, Highland, CA 92346, in the United States, AVS will check 101 and 92346. Cardholders may receive false negatives, or partial declines for AVS from e-commerce verification systems, which may require manual overrides, voice authorization, or reprogramming of the AVS entries by the card issuing bank. Credit card AVS does not determine deliverability of an address. (en)
- Das Address Verification System (AVS) ist ein System, um die Identität einer Person, die eine Kreditkarte besitzt, zu überprüfen. Das System überprüft die angegebene Adresse auf der Kreditkarte mit den Angaben der Rechnungsadresse. Weitere Sicherheitsoptionen für die Kreditkarte beinhalten die CVV2-Nummer und das Ablaufdatum. Beispiel: AVS vergleicht die Rechnungsadresse eines Kreditkartenhalters. Die Adresse ist z. B. 101 Main Street, Highland, CA 92346. Das AVS überprüft 101 und 92346. Manchmal überprüft das AVS auch noch weitere Daten wie die Appartementnummer. Von E-Commerce-Onlineshops (speziell in USA) werden dann falsche Daten zurückgegeben, wenn z. B. die deutsche Schreibweise des Straßennamens und Hausnummer angegeben werden. Fehlermeldung: „The transaction resulted in an AVS mismatch. The address provided does not match billing address of cardholder.“ Bei MasterCard und Visa ist dieser Service nur für Kreditkarten verfügbar, die in den USA ausgegeben wurden. American Express bietet das Address Verification System für alle Karten an. (de)
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- An address verification service (AVS) is a service provided by major credit card processors to enable merchants to authenticate ownership of a credit or debit card used by a customer. AVS is done as part of the merchant's request for authorization in a non-face-to-face credit card transaction. The credit card company or issuing bank automatically checks the billing address provided by the customer to the merchant against the billing address in its records, and reports back to the merchant who has the ultimate responsibility to determine whether or not to go ahead with a transaction. AVS can be used in addition to other security features of a credit card, such as the CVV2 number. Some countries, such as Denmark, do not permit banks to verify customer data. (en)
- Das Address Verification System (AVS) ist ein System, um die Identität einer Person, die eine Kreditkarte besitzt, zu überprüfen. Das System überprüft die angegebene Adresse auf der Kreditkarte mit den Angaben der Rechnungsadresse. Weitere Sicherheitsoptionen für die Kreditkarte beinhalten die CVV2-Nummer und das Ablaufdatum. Beispiel: AVS vergleicht die Rechnungsadresse eines Kreditkartenhalters. Die Adresse ist z. B. 101 Main Street, Highland, CA 92346. Das AVS überprüft 101 und 92346. Manchmal überprüft das AVS auch noch weitere Daten wie die Appartementnummer. (de)
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- Address Verification System (de)
- Address verification service (en)
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