What Does AVS Check Failed Mean?

When making online or card-present purchases, an “AVS check failed” message refers to the Address Verification System (AVS). AVS is a security measure designed to protect against fraudulent transactions by verifying the cardholder’s billing address. An AVS check failure signals an issue with the address information provided during a payment attempt.

Understanding AVS Check Failure

The Address Verification System compares the billing address entered by a customer with the address the credit card issuer has on file. When a payment is initiated, the merchant sends the billing address details to the card issuer for verification. The issuer then returns a code indicating the match level.

An “AVS check failed” message means there was a mismatch in this comparison. This system acts as a fraud prevention tool, signaling potential unauthorized use of a card. Unlike a decline due to insufficient funds, an AVS failure specifically points to an address information discrepancy.

Common Causes of AVS Check Failure

Common issues can lead to an AVS check failure, almost always relating to billing address information. A frequent reason is data entry errors, where a customer might accidentally type an incorrect street number or zip code during checkout. Even minor typos can trigger a mismatch, including when an old or incorrect address is automatically filled by a browser’s autofill feature.

Another common cause involves an outdated address on file with the card issuer. If a customer has moved and has not updated their billing address, the address provided during a transaction will not match the issuer’s records. Using a P.O. Box as a billing address might also cause issues if policies do not permit it or the format differs from what is on file. Discrepancies can also arise with international transactions, as AVS was primarily designed for addresses within the United States, Canada, and the United Kingdom, and not all international card issuers fully support it.

Resolving and Preventing AVS Check Failures

To resolve an AVS check failure, first review the billing address you entered for any errors. Double-check that the street number, street name, and zip code precisely match the address associated with your credit card. You can often find this exact address on your credit card statement or by logging into your online banking portal. After confirming the correct address, re-attempt the transaction.

If the issue persists, contact your credit card issuer to verify the exact billing address they have on file. If the problem continues despite confirming the address, consider using an alternative payment method, as some merchants may have stricter AVS settings. To prevent future AVS check failures, always ensure you use the exact billing address linked to your card, and promptly update your address with your card issuer whenever you move. Be cautious when using auto-fill features on websites, as they may store old or incorrect information that could lead to a mismatch.