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AVS and CVV Response Code Mapping Guide

This guide describes the appropriate AVS and CVV response code mappings for popular payment gateways.

Authorize.net

AVS Response Code Mapping

Authorize.net Code Gateway Description Signifyd Code Signifyd Description
B Address information was not submitted in the transaction information, so AVS check could not be performed U Address information unavailable. Returned if non-US. AVS is not available or if the AVS in a U.S. bank is not functioning properly.
E The AVS data provided is invalid, or AVS is not allowed for the card type submitted E AVS data is invalid
R AVS was unavailable at the time the transaction was processed. Retry transaction R Retry - Issuer's System Unavailable or Timed Out.
G The credit card issuing bank is of non-U.S. origin and does not support AVS G Non-US. Issuer does not participate
U Address information is not available for the customer's credit card U Address information unavailable. Returned if non-US. AVS is not available or if the AVS in a U.S. bank is not functioning properly.
S The U.S. card issuing bank does not support AVS S U.S. issuing bank does not support AVS
N Neither the street address nor the 5-digit ZIP code matches the address and ZIP code on file for the card N Street address, 5-digit ZIP code, and 9-digit ZIP code all do not match
A The street address matches, but the 5-digit ZIP code does not A Street address matches, but both 5-digit and 9-digit ZIP Code do not match
Z The first 5 digits of the ZIP code matches, but the street address does not match Z Street address does not match, but 5-digit ZIP code matches
W The 9-digit ZIP code matches, but the street address does not match W Street address does not match, but 9-digit ZIP code matches
Y The street address and the first 5 digits of the ZIP code match perfectly Y Street address and 5-digit ZIP code both match

CVV Response Code Mapping

CVV Response Code Gateway Description Signifyd Code Signifyd Description
M Successful Match M CVV2 Match
N Does NOT Match N CVV2 No Match
P Is NOT Processed P Not Processed
S Should be on card, but is not indicated S Issuer indicates that CVV2 data should be present on the card, but the merchant has indicated data is not present on the card
U Issuer is not certified or has not provided encryption key U Issuer has not certified for CVV2 or Issuer has not provided Visa with the CVV2 encryption keys

Stripe

AVS Response Code Mapping

AVS Address Line 1 Response Code Stripe AVS Postal Code Response Code Gateway Description Signifyd AVS Response Code Signifyd Description
pass pass The first address line and zip code provided is correct Y Street address and 5-digit ZIP code both match
pass fail The first address line provided is correct, but the ZIP code is incorrect A Street address matches, but both 5-digit and 9-digit ZIP Code do not match
fail pass The first address line provided is incorrect, but the ZIP code is correct Z Street address does not match, but 5-digit ZIP code matches
fail fail Neither the first address line nor the zip code provided is correct N Street address, 5-digit ZIP code, and 9-digit ZIP code all do not match
pass unchecked The first address line provided is correct. The ZIP code was provided but has not yet been checked. Checks are performed once a card is attached to a Customer object, or when a charge is created. A Street address matches, but both 5-digit and 9-digit ZIP Code do not match
unchecked pass The first address line was provided but has not yet been checked. Checks are performed once a card is attached to a Customer object, or when a charge is created. The ZIP code provided is correct. Z Street address does not match, but 5-digit ZIP code matches
unchecked fail The first address line was provided but has not yet been checked. Checks are performed once a card is attached to a Customer object, or when a charge is created. The ZIP code provided is incorrect. N Street address, 5-digit ZIP code, and 9-digit ZIP code all do not match
fail unchecked The first address line provided is incorrect. The ZIP code was provided, but has not yet been checked. Checks are performed once a card is attached to a Customer object, or when a charge is created. N Street address, 5-digit ZIP code, and 9-digit ZIP code all do not match
unchecked unchecked The first address line and ZIP were provided, but have not yet been checked. Checks are performed once a card is attached to a Customer object, or when a charge is created. U Address information unavailable. Returned if non-US.

AVS is not available or if the AVS in a U.S. bank is not functioning properly

CVV Response Code Mapping

CVV Response Code Gateway Description Signifyd CVV Response Code Signifyd Description
pass The CVC provided is correct M CVV2 Match
fail The CVC provided is incorrect N CVV2 No Match
unchecked The CVC was provided, but has not yet been checked. Checks are performed once a card is attached to a Customer object, or when a charge is created. P Not Processed
unavailable The customer's card issuer did not check the CVC provided. P Not Processed

Braintree

Street and Postal Code AVS Response Code Mapping

AVS Postal Code Response Code Braintree Street Address Response Code Gateway Description Signifyd AVS Response Code Signifyd Description
M M The postal code and street address provided matches the information on file with the cardholder's bank. Y Street address and 5-digit ZIP code both match
M N The postal code provided matches the information on file with the cardholder's bank, but the street address provided does not match the information on file with the cardholder's bank. Z Street address does not match, but 5-digit ZIP code matches
M U The postal code provided matches the information on file with the cardholder's bank, but the card-issuing bank did not verify if the street address was correct. Z Street address does not match, but 5-digit ZIP code matches
M I The postal code provided matches the information on file with the cardholder's bank, but no street address was provided. Z Street address does not match, but 5-digit ZIP code matches
N M The postal code provided does not match the information on file with the cardholder's bank, but the street address provided does. A Street address matches, but both 5-digit and 9-digit ZIP Code do not match
N N Neither the postal code nor street address provided matches the information on file with the cardholder's bank. N Street address, 5-digit ZIP code, and 9-digit ZIP code all do not match
N U The postal code provided does not match the information on file with the cardholder's bank, but the card-issuing bank did not verify if the street address was correct. N Street address, 5-digit ZIP code, and 9-digit ZIP code all do not match
N I The postal code provided does not match the information on file with the cardholder's bank, but no street address was provided. N Street address, 5-digit ZIP code, and 9-digit ZIP code all do not match
U U The card-issuing bank received the postal code and street address but did not verify whether they were correct. This typically happens if the processor declines an authorization before the bank evaluates the postal code and street address U Address information unavailable. Returned if non-US.

AVS is not available or if the AVS in a U.S. bank is not functioning properly

I I No postal code or address was provided. U Address information unavailable. Returned if non-US.

AVS is not available or if the AVS in a U.S. bank is not functioning properly

A A AVS information was provided but this type of transaction does not support address verification. U Address information unavailable. Returned if non-US.

AVS is not available or if the AVS in a U.S. bank is not functioning properly

General AVS Response Code Mapping

AVS Response Code Gateway Description Signifyd AVS Response Code Signifyd Description
S AVS information was provided but the card-issuing bank does not participate in address verification. This typically indicates a card-issuing bank outside of the US, Canada, and the UK. G Non-US. Issuer does not participate
E A system error prevented any verification of street address or postal code. U Address information unavailable. Returned if non-US.

AVS is not available or if the AVS in a U.S. bank is not functioning properly

A AVS information was provided but this type of transaction does not support address verification. U Address information unavailable. Returned if non-US.

AVS is not available or if the AVS in a U.S. bank is not functioning properly

B AVS checks were skipped for this transaction. U Address information unavailable. Returned if non-US.

AVS is not available or if the AVS in a U.S. bank is not functioning properly

 

CVV Response Code Mapping

CVV Response Code Gateway Description Signifyd CVV Response Code Signifyd Description
M The CVV provided matches the information on file with the cardholder's bank. M CVV2 Match
N The CVV provided does not match the information on file with the cardholder's bank. N CVV2 No Match
U The card-issuing bank received the CVV, but did not verify whether it was correct. This typically happens if the bank declines an authorization before evaluating the CVV. P Not Processed
I No CVV was provided. This also happens if the transaction was made with a vaulted payment method. Learn more about AVS and CVV rules in the Vault. P Not Processed
S The CVV was provided but the card-issuing bank does not participate in card verification. S Issuer indicates that CVV2 data should be present on the card, but the merchant has indicated data is not present on the card
A The CVV was provided but this type of transaction does not support card verification. null Transaction failed because wrong CVV2 number was entered or no CVV2 number was entered
B CVV checks were skipped for this transaction. P Not Processed

Chase Paymentech

AVS Response Code Mapping For Visa Card Brands

ChasePaymentech AVS Response Code Gateway Description Signifyd AVS Response Code Signifyd Description
Y Address & 5-digit or 9-digit ZIP match Y Street address and 5-digit ZIP code both match
A Address matches, ZIP does not A Street address matches, but both 5-digit and 9-digit ZIP Code do not match
S AVS not supported S U.S. issuing bank does not support AVS
R System unavailable, retry R Retry - Issuer's System Unavailable or Timed Out.
U Information not available U Address information unavailable. Returned if non-US.
AVS is not available or if the AVS in a U.S. bank is not functioning properly.
Z Either 5-digit or 9-digit ZIP match, address does not Z Street address does not match, but 5-digit ZIP code matches
N Neither ZIP nor address match N Street address, 5-digit ZIP code, and 9-digit ZIP code all do not match
B Address matches, ZIP not verified B Street Address Match for International Transaction. Postal Code not verified due to incompatible formats
P ZIP matches, address not verified P Postal Codes match for International Transaction but street address not verified due to incompatible formats
C Address and ZIP not verified C Street Address and Postal Code not verified for International Transaction due to incompatible formats
D Address & ZIP match (International only) D Street Address and Postal Code match for International Transaction
G Address not verified for International transaction (International only) G Non-US. Issuer does not participate
I Address not verified (International only) I Address Information not verified by International issuer
M Address & ZIP match (International only) M Street Address and Postal Code match for International Transaction
F Address & ZIP match (UK only) M Street Address and Postal Code match for International Transaction

AVS Response Code Mapping For Mastercard Card Brands

ChasePaymentech AVS Response Code Gateway Description Signifyd AVS Response Code Signifyd Description
Y Address & 5-digit ZIP match Y Street address and 5-digit ZIP code both match
A Address matches, ZIP does not A Street address matches, but both 5-digit and 9-digit ZIP Code do not match
S AVS not supported S U.S. issuing bank does not support AVS
R System unavailable, retry R Retry - Issuer's System Unavailable or Timed Out.
U Information not available U Address information unavailable. Returned if non-US.
AVS is not available or if the AVS in a U.S. bank is not functioning properly.
Z 5-digit ZIP matches, address does not Z Street address does not match, but 5-digit ZIP code matches
N Neither ZIP nor address match N Street address, 5-digit ZIP code, and 9-digit ZIP code all do not match
W For U.S., 9-digit ZIP matches, address does not. W Street address does not match, but 9-digit ZIP code matches
X For U.S., all digits match. For non-U.S., ZIP and address match. X Street address and 9-digit ZIP code both match

AVS Response Code Mapping For For Discover Card Brands

ChasePaymentech AVS Response Code Gateway Description Signifyd AVS Response Code Signifyd Description
Y Address only matches A Street address matches, but both 5-digit and 9-digit ZIP Code do not match
A Address & 5-digit ZIP match Y Street address and 5-digit ZIP code both match
S AVS not supported S U.S. issuing bank does not support AVS
U System unavailable, retry R Retry - Issuer's System Unavailable or Timed Out.
Z 5-digit ZIP matches, address does not Z Street address does not match, but 5-digit ZIP code matches
N Neither ZIP nor address match N Street address, 5-digit ZIP code, and 9-digit ZIP code all do not match
W Information not available U Address information unavailable. Returned if non-US.
AVS is not available or if the AVS in a U.S. bank is not functioning properly.
X Address & 9-digit ZIP match X Street address and 9-digit ZIP code both match
T 9-digit ZIP matches, address does not W Street address does not match, but 9-digit ZIP code matches

AVS Response Code Mapping For American Express Card Brands

ChasePaymentech AVS Response Code Gateway Description Signifyd AVS Response Code Signifyd Description
Y Address & ZIP match Y Street address and 5-digit ZIP code both match
A Address only matches A Street address matches, but both 5-digit and 9-digit ZIP Code do not match
S AVS not supported S U.S. issuing bank does not support AVS
R System unavailable, retry R Retry - Issuer's System Unavailable or Timed Out.
U Information not available U Address information unavailable. Returned if non-US.
AVS is not available or if the AVS in a U.S. bank is not functioning properly.
Z ZIP code only matches Z Street address does not match, but 5-digit ZIP code matches
N Neither ZIP nor address match N Street address, 5-digit ZIP code, and 9-digit ZIP code all do not match

 

CVV Response Code Mapping For Visa, MasterCard, and Discover Card Brands

ChasePaymentech CVV Response Code Gateway Description Signifyd CVV Response Code Signifyd Description
M Match M CVV2 Match
N No match N CVV2 No Match
P Not processed P Not Processed
S Should have been present S Issuer indicates that CVV2 data should be present on the card, but the merchant has indicated data is not present on the card
U Issuer unable to process P Not Processed

CVV Response Code Mapping For American Express Card Brands

ChasePaymentech CVV Response Code Gateway Description Signifyd CVV Response Code Signifyd Description
N No match N CVV2 No Match
U Issuer unable to process P Not Processed
Y Match M CVV2 Match

Cybersource

AVS Response Code Mapping

Cybersource AVS Response Code Gateway Description Signifyd AVS Response Code Signifyd Description
A Street address matches, but 5-digit and 9-digit postal code do not match A Street address matches, but both 5-digit and 9-digit ZIP Code do not match
E AVS data is invalid or AVS is not allowed for this card type E AVS data is invalid
F Card member's name does not match, but billing postal code matches. Returned only for the American Express card type Z Street address does not match, but 5-digit ZIP code matches
G Non-U.S. issuing bank does not support AVS G Non-US. Issuer does not participate
H Card member's name does not match. Street address and postal code match. Returned only for the American Express card type Y Street address and 5-digit ZIP code both match
N Street address and postal code do not match or Card member's name, street address and postal code do not match. Returned only for the American Express card type N Street address, 5-digit ZIP code, and 9-digit ZIP code all do not match
R System unavailable R Retry - Issuer's System Unavailable or Timed Out
S U.S.-issuing bank does not support AVS S U.S. issuing bank does not support AVS
T Card member's name does not match, but street address matches. Returned only for the American Express card type A Street address matches, but both 5-digit and 9-digit ZIP Code do not match
U Address information unavailable. Returned if the U.S. bank does not support non-U.S. AVS or if the AVS in a U.S. bank is not functioning properly U Address information unavailable. Returned if non-US.

AVS is not available or if the AVS in a U.S. bank is not functioning properly

W Street address does not match, but 9-digit postal code matches W Street address does not match, but 9-digit ZIP code matches
X Street address and 9-digit postal code match X Street address and 9-digit ZIP code both match
Y Street address and 5-digit postal code match Y Street address and 5-digit ZIP code both match
Z Street address does not match, but 5-digit postal code matches Z Street address does not match, but 5-digit ZIP code matches
1 CyberSource AVS code. AVS is not supported for this processor or card type S U.S. issuing bank does not support AVS
2 CyberSource AVS code. The processor returned an unrecognized value for the AVS response E AVS data is invalid
B Street address matches, but postal code not verified. Returned only for non U.S.-issued Visa cards B Street Address Match for International Transaction. Postal Code not verified due to incompatible formats
C Street address and postal code do not match. Returned only for non U.S.-issued Visa cards C Street Address and Postal Code not verified for International Transaction due to incompatible formats
D **Street address and postal code match. Returned only for non U.S.-issued Visa cards** D Street Address and Postal Code match for International Transaction
I Address not verified. Returned only for non U.S.-issued Visa cards I Address Information not verified by International issuer
M Street address and postal code match. Returned only for non U.S.-issued Visa cards M Street Address and Postal Code match for International Transaction
P Postal code matches, but street address not verified. Returned only for non U.S.-issued Visa cards P Postal Codes match for International Transaction but street address not verified due to incompatible formats
K Card member's name matches but billing address and billing postal code do not match. Returned only for the following processors and card types:
· American Express Phoenix if you are signed up to use Enhanced AVS or AAV+
· Paymentech New Hampshire for the American Express card type
· Vital for the American Express card type
N Street address, 5-digit ZIP code, and 9-digit ZIP code all do not match
L Card member's name and billing postal code match, but billing address does not match. Returned only for the following processors and card types:
· American Express Phoenix if you are signed up to use Enhanced AVS or AAV+
· Paymentech New Hampshire for the American Express card type
· Vital for the American Express card type
Z Street address does not match, but 5-digit ZIP code matches
O Card member's name and billing address match, but billing postal code does not match. Returned only for the following processors and card types:
· American Express Phoenix if you are signed up to use Enhanced AVS or AAV+
· Paymentech New Hampshire for the American Express card type
· Vital for the American Express card type
A Street address matches, but both 5-digit and 9-digit ZIP Code do not match

CVV Response Code Mapping

Cybersource CVV Response Code Gateway Description Signifyd CVV Response Code Signifyd Description
D Transaction determined suspicious by issuing bank U Issuer has not certified for CVV2 or Issuer has not provided Visa with the CVV2 encryption keys
I The CVN failed the processor's data validation check N CVV2 No Match
M The CVN matched M CVV2 Match
N The CVN did not match N CVV2 No Match
P The CVN was not processed by the processor for an unspecified reason P Not Processed
S The CVN is on the card but was not included in the request S Issuer indicates that CVV2 data should be present on the card, but the merchant has indicated data is not present on the card
U Card verification is not supported by the issuing bank U Issuer has not certified for CVV2 or Issuer has not provided Visa with the CVV2 encryption keys
X Card verification is not supported by the payment card company U Issuer has not certified for CVV2 or Issuer has not provided Visa with the CVV2 encryption keys
1 Card verification is not supported for this processor or card type U Issuer has not certified for CVV2 or Issuer has not provided Visa with the CVV2 encryption keys
2 An unrecognized result code was returned by the processor for the card verification response N An unrecognized CVV code was returned by the processor
3 No result code was returned by the processor P Not Processed

Paypal

AVS Response Code Mapping

Paypal AVS Response Code Gateway Description Matched details Signifyd AVS Response Code Signifyd Description
A Address Address only (no ZIP code) A Street address matches, but both 5-digit and 9-digit ZIP Code do not match
B International "A" Address only (no ZIP code) B Street Address and Postal Code match for International Transaction
C International "N" None I Address Information not verified by the International issuer
D International "X" Address and Postal Code D Street Address and Postal Code match for International Transaction
E Not allowed for MOTO (Internet/Phone) transactions Not applicable S Issuer indicates that CVV2 data should be present on the card, but the merchant has indicated data is not present on the card
F UK-specific "X" Address and Postal Code M Street Address and Postal Code match for International Transaction
G Global Unavailable Not applicable G Non-US. Issuer does not participate
I International Unavailable Not applicable G Non-US. Issuer does not participate
M Address Address and Postal Code Y Street address and 5-digit ZIP code both match
N No None N Street address, 5-digit ZIP code, and 9-digit ZIP code all do not match
P Postal (International "Z") Postal Code only (no Address) P Postal Codes match for International Transaction but street address not verified due to incompatible formats
R Retry Not applicable R Retry - Issuer's System Unavailable or Timed Out.
S Service not Supported Not applicable S U.S. issuing bank does not support AVS
U Unavailable Not applicable U Address information unavailable. Returned if non-US.
AVS is not available or if the AVS in a U.S. bank is not functioning properly.
W Whole ZIP Nine-digit ZIP code (no Address) W Street address does not match, but 9-digit ZIP code matches
X Exact match Address and nine-digit ZIP code X Street address and 9-digit ZIP code both match
Y Yes Address and five-digit ZIP Y Street address and 5-digit ZIP code both match
Z ZIP Five-digit ZIP code (no Address) Z Street address does not match, but 5-digit ZIP code matches
All others Error Not applicable E AVS data is invalid

CVV Response Code Mapping

Paypal CVV Response Code Gateway Description Matched details Signifyd CVV Response Code Signifyd Description
E Error - Unrecognized or Unknown response Not applicable E N/A
I Invalid or Null Not applicable I N/A
M Match CVV2 / CSC M CVV2 Match
N No match None N CVV2 No Match
P Not processed Not applicable P Not Processed
S Service not supported Not applicable N CVV2 No Match
U Unknown - Issuer is not certified Not applicable U Issuer has not certified for CVV2 or Issuer has not provided Visa with the CVV2 encryption keys
X No response Not applicable X  N/A
All others Error Not applicable null N/A

Paypal Payflow

AVS Response Code Mapping

Payflow AVS Address Response Code Payflow AVS Zip Response Code Gateway Description Signifyd AVS Response Code Signifyd Description
Y N Address A Street address matches, but both 5-digit and 9-digit ZIP Code do not match.
Street Address Match for International Transaction. Postal Code not verified due to incompatible formats.
N N No N Street address, 5-digit ZIP code, and 9-digit ZIP code all do not match
Address Information not verified by International issuer
X X Unavailable U Address information unavailable. Returned if non-US.
AVS is not available or if the AVS in a U.S. bank is not functioning properly.
Non-US. Issuer does not participate
Retry - Issuer's System Unavailable or Timed Out.
U.S. issuing bank does not support AVS
Y Y Yes Y Street address and 5-digit ZIP code both match.
Street Address and Postal Code match for International Transaction.
N Y Zip Z Street address does not match, but 5-digit ZIP code matches.
Postal Codes match for International Transaction but street address not verified due to incompatible formats.
Street address does not match, but 9-digit ZIP code matches.
All other combinations All other combinations U Unavailable

CVV Response Code Mapping

Payflow CVV Response Code Gateway Description Signifyd CVV Response Code Signifyd Description
Y Match M CVV2 Match
N No Match N CVV2 No Match
X Not Processed
Service Not Supported
Unavailable
No Response
U Issuer has not certified for CVV2 or Issuer has not provided Visa with the CVV2 encryption keys

Adyen

AVS Response Code Mapping

Adyen AVS Response Code Gateway Description Signifyd AVS Response Code Signifyd Description
-1 Not Sent null N/A
0 Unknown null N/A
1 Address matches, postal code doesn't A Street address matches, but both 5-digit and 9-digit ZIP Code do not match
2 Neither postal code nor address match N Street address, 5-digit ZIP code, and 9-digit ZIP code all do not match
3 AVS unavailable U Address information unavailable. Returned if non-US.
AVS is not available or if the AVS in a U.S. bank is not functioning properly.
4 AVS not supported for this card type S U.S. issuing bank does not support AVS
5 No AVS data provided U Address information unavailable. Returned if non-US.
AVS is not available or if the AVS in a U.S. bank is not functioning properly.
6 Postal code matches, address doesn't match Z Street address does not match, but 5-digit ZIP code matches
7 Both postal code and address match Y Street address and 5-digit ZIP code both match
8 Address not checked, postal code unknown null N/A
9 Address matches, postal code unknown A Street address matches, but both 5-digit and 9-digit ZIP Code do not match
10 Address doesn't match, postal code unknown N Street address, 5-digit ZIP code, and 9-digit ZIP code all do not match
11 Postal code not checked, address unknown null N/A
12 Address matches, postal code not checked A Street address matches, but both 5-digit and 9-digit ZIP Code do not match
13 Address doesn't match, postal code not checked N Street address, 5-digit ZIP code, and 9-digit ZIP code all do not match
14 Postal code matches, address unknown Z Street address does not match, but 5-digit ZIP code matches
15 Postal code matches, address not checked Z Street address does not match, but 5-digit ZIP code matches
16 Postal code doesn't match, address unknown N Street address, 5-digit ZIP code, and 9-digit ZIP code all do not match
17 Postal code doesn't match, address not checked N Street address, 5-digit ZIP code, and 9-digit ZIP code all do not match
18 Neither postal code nor address were checked U Address information unavailable. Returned if non-US.
AVS is not available or if the AVS in a U.S. bank is not functioning properly.
19 Name and postal code matches Z Street address does not match, but 5-digit ZIP code matches
20 Name, address and postal code matches Y Street address and 5-digit ZIP code both match
21 Name and address matches A Street address matches, but both 5-digit and 9-digit ZIP Code do not match
22 Name matches N Street address, 5-digit ZIP code, and 9-digit ZIP code all do not match
23 Postal code matches, name doesn't match Z Street address does not match, but 5-digit ZIP code matches
24 Both postal code and address matches, name doesn't match Y Street address and 5-digit ZIP code both match
25 Address matches, name doesn't match A Street address matches, but both 5-digit and 9-digit ZIP Code do not match
26 Neither postal code, address nor name matches N Street address, 5-digit ZIP code, and 9-digit ZIP code all do not match

CVV Response Code Mapping

Adyen CVV Response Code Gateway Description Signifyd CVV Response Code Signifyd Description
0 Unknown null N/A
1 Matches M CVV2 Match
2 Does not match N CVV2 No Match
3 Not checked P Not Processed
4 No CVC/CVV provided, but was required S Issuer indicates that CVV2 data should be present on the card, but the merchant has indicated data is not present on the card
5 Issuer not certified for CVC/CVV U Issuer has not certified for CVV2 or Issuer has not provided Visa with the CVV2 encryption keys
6 No CVC/CVV provided null N/A