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Frequently Asked QuestionsWhat is the Address Verification Service (AVS)? Why does it matter?

AVS is built into the authorization process to help prevent fraudulent transactions. The numerical portion of a consumer's address and the transaction data is matched against the address on file with the consumer's credit card. A response code is sent back with the approval or decline indicating whether the numeric information matched that of the cardholders. This match (or mismatch) is provided to the merchant in order to make an informed decision regarding the status of the transaction.

The use of AVS for businesses such as mail/telephone and Internet can result in lower discount rates, as well as a potential reduction in fraud. Its use is highly recommended.

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