Payments. Ecommerce. Profits.

What Is an AVS Mismatch?

What Is an AVS Mismatch? (And How To Fix It)

Table of Contents

AVS stands for Address Verification System. This fraud-prevention requirement occurs with card-not-present transactions, often used in phone or e-commerce transactions. 

AVS mismatch filters are automatically set to flag fraudulent or suspicious transactions by merchants. However, when a card-issuing bank receives an AVS mismatch alert, it does not mean the transaction or purchase is categorically fraudulent.

AVS codes to identify the kind of AVS match when making an online payment. The merchant will get one of three AVS codes. These AVS codes come in matching, partial matches, and mismatches. Merchants can choose which sort of AVS code they decide to refuse or accept based on the amount of risk.

If one has an AVS requirement, the billing information supplied during checkout must match the information the credit card builder has on file. 

Two different numbers are checked during the verification process; the customer’s house number and zip code, and both need to match for the transaction to be accredited. 

This article covers everything you need to know, from AVS mismatch errors to AVS mismatch codes, strong AVS filters, and AVS mismatches.

AVS MismatchAVS Mismatch Error

AVS mismatch error occurs when a customer enters their billing address in the checkout process that differs from the address of the credit card issuer or card-issuing bank.

Cardholders may prevent AVS mismatch issues by ensuring that the address they enter at checkout matches those on the card account. Contacting their card issuer or bank is necessary for cardholders to resolve AVS mismatch problems.

These AVS errors are stressful since they make the bank restrict the account for days as they work to rectify the problem.

AVS was created to prevent or combat fraud of Card-Not-Present (CNP) issues.

You can turn AVS filters on or off. Sadly, while payment processors urge merchants to keep it with them, it doesn’t prove that a transaction is fraudulent or valid. AVS filters are important tools combined with a full arsenal of technologies to tackle fraudulent transactions effectively.

Credit Card Fraud

For any person or organization, credit card swindling may be a disaster. This fraud is the most widely spread type of identity theft. It is not surprising that many individuals become victims each year, given that there are approximately 1.5 million credit cards in just the U. S. Fraudsters also use a stolen social security number to request a card.

Some hackers use lost or stolen credit cards to perpetrate fraudulent acts. Other fraudsters carry out unauthorized acts without possessing the credit card. To obtain the victim’s cash through card-not-present theft, the criminal must be aware of a certain account or basic card information.

Criminals and fraudsters can possess credit cards by picking them up as a result of misplacement by the owner or by stealing.

The criminal may find it difficult to infiltrate the card at a POS device, which will need a PIN to access. However, the fraudster can use the card details to make purchases online, carry out any international transaction, or even digital transactions.

This kind of theft does not need the physical presence of the card. They need basic details, like the account owner’s name, mailing address, and card number.

With the possession of this information, they can commit fraudulent purchases by mail, via phone, or online.

Measures to Evade Credit Card Fraudulent Activities

The best way to secure oneself from becoming a victim of credit card theft is to take extraordinary measures as much as possible.

Only submit your card information to trusted online merchants to safeguard your information safely. Never divulge them to sources whose credibility you can’t call and confirm.

While taking all required precautions to prevent being a fraud victim, stay attentive and keep an eye out for any strange activity. Fraud can be identified by:

  • Examining in-depth the monthly credit cards bills to look for any fraudulent transactions
  • Check your credit report frequently to determine whether anything strange occurs, like new credit queries, the creation of new accounts, and the registration of a different address.
  • Examine invoices and bills to ensure you’re not getting communication or collection notifications for accounts you’re unfamiliar with.

AVS MismatchCredit Card Companies

Any business that provides credit cards, including banks, credit unions, and businesses in between, is referred to as a credit card firm.

Financial institutions, payment processors, banks, and other financial organizations that provide credit and facilitate card payments for individuals and people who do business are the companies that take care of these.

There are four main credit card networks in the United States market: Visa, American Express, Mastercard, and Discover. Each network—called a card association—may work differently, but the basic principles remain similar.

Billing address

An address connected to your debit or credit card account is the billing address. When you submit a card application online, Your billing address will be the one you provide as you apply.

Merchants frequently ask for your ZIP code when checking out, especially if you’re buying anything from an online store. Your transaction is more protected as a result of this.

Your card doesn’t have any physical billing ZIP code, making it difficult for a thief to use your card for transactions if you lose it.

Through the AVS, your billing address also safeguards you. AVS will evaluate the billing address linked to your credit card if your purchase requires you to supply a complete billing address (other than billing ZIP codes). Often, if the credentials don’t match, the transaction will fail.


When choosing a merchant account provider, ensure they can sort out your AVS errors, flag suspicious transactions on your account, and stop fraudulent purchases.

In addition, ensure your card issuing bank has good fraud management records, a strong payment system, and can manage risk.

However, ensure your cardholder’s address, shipping address, zip code, and billing address provided match while making purchases.

You can ensure that a payment processor effectively filters orders by choosing one with powerful AVS filters. Merchants should work strenuously to help legitimate customers to minimize false declines and fraud.