What Is a Zip Code on a Gift Card?
Why do gift cards ask for a zip code? Learn the reasons and the correct zip code to use for seamless online and in-store purchases.
Gift cards are a popular and convenient payment method. They are often perceived as simple and anonymous, without personal identification. However, a zip code is requested during a gift card transaction, leading to confusion. This request can seem counterintuitive for a prepaid card, raising questions about its purpose and how to proceed.
Understanding the Zip Code Request
A zip code is requested for gift card transactions due to the Address Verification System (AVS). AVS is a fraud prevention tool used for “card-not-present” transactions (e.g., online or phone purchases). It compares the billing address provided by the customer with the address on file with the card issuer. While commonly associated with credit and debit cards, it also applies to network-branded gift cards (e.g., Visa, Mastercard, American Express) for security.
For these network-branded gift cards, even if prepaid and not linked to a personal billing address, the system may attempt an AVS check to prevent fraud. If no address is associated, the AVS check may result in a “no match,” leading to a declined transaction if the merchant’s system rejects such outcomes. This measure is more frequent with online purchases, where physical card swipes are absent.
What Zip Code to Use
When prompted for a zip code, the most reliable solution involves associating an address with the gift card. The most effective way to do this is by registering the gift card online with the issuer’s website. This process typically involves visiting the website or calling the customer service number found on the back of the card, then providing a name and a chosen billing address, including a zip code, to which the card will be linked. Once registered, you should use the zip code provided during this registration for all subsequent online transactions.
If the card has not been registered, or if you are unsure, you might try the zip code of the person who originally purchased the card, as it might be implicitly linked to their purchasing information. Another approach, particularly if the card was mailed to you, is to use your own mailing address’s zip code, as it might already be correctly associated. In some rare instances, using the zip code of the retailer where the card was purchased or even the gift card issuer’s headquarters might work, though these methods are generally less reliable. Store-specific gift cards, generally, are less likely to require a zip code, but if they do, the store’s primary zip code could sometimes be a valid entry.
Troubleshooting and Alternatives
If you encounter persistent issues with a gift card requiring a zip code, especially for online transactions, there are several troubleshooting steps. In-store purchases typically do not require a zip code, making them a viable alternative for using the card if online attempts are unsuccessful. For example, swiping the card as a debit transaction with a PIN, if available, often bypasses the need for a zip code.
The most direct course of action for unresolved issues is to contact the gift card issuer’s customer service department. The contact information, including a toll-free number or website, is usually printed on the back of the gift card. They can provide specific guidance on the correct zip code to use or assist with registering the card. It is generally advisable to avoid entering random or “dummy” zip codes, as this will almost certainly lead to transaction failure and could potentially result in a temporary hold or lock on the card.