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Response Codes and Messages


Here we present a list of possible responses your integration may receive and that your solution needs to be able to interpretate.

Note that transactions can still be authorised even if the CVV and AVS responses are no match or failure. CVV and AVS responses are for indication to the merchant only, and usually do not influence the overall Authorisation result. This can vary per Card Holder Bank though (Issuing Bank).

CVV Results

  • M - CVV Match
  • N - CVV No Match
  • P - Not Processed
  • S - CVV should be on the card but the merchant indicates it is not.
  • U - User is unregistered
  • NOTE: transactions can still be authorised even if the CVV response is no match or failure. CVV responses are for indication to the merchant only, and usually do not influence the overall Authorisation result. This can vary per Card Holder Bank though (Issuing Bank).

AVS Results

  • A - Address matches, ZIP does not. The first five numerical characters contained in the address match those stored at the VIC or issuer's center. However, the ZIP code does not match.
  • E - Ineligible transaction.
  • N - Neither address nor ZIP matches. Neither the first five numerical characters contained in the address match with those stored at the VIC nor issuer's center nor the ZIP code match.
  • R - Retry (system unavailable or timed out).
  • S - Card type not supported. The card type for this transaction is not supported by AVS. AVS can verify addresses for Visa cards, MasterCard, proprietary cards, and private label transactions.
  • U - Address information unavailable.
  • G - Address information unavailable, International - Visa only, The address information was not available at the VIC or issuer's center.
  • W - Nine-digit ZIP match, address does not. The nine-digit Postal ZIP code matches that stored at the VIC or card issuer's centre. However, the first five numerical characters contained in the address do not match.
  • X - Exact match (nine digit ZIP and address). Both the nine-digit Postal ZIP code as well as the first five numerical characters contained in the address match.
  • Y - Address and five-digit ZIP match. Both the five-digit Postal ZIP code as well as the first five numerical characters contained in the address match.
  • Z - Five-digit ZIP matches, address does not. The five-digit Postal ZIP code matches that stored at the VIC or card issuer's centre.

Auto Decline AVS failures setting will only approve transactions that have an AVS response of Y, U, G, X or Z.

  • NOTE: transactions can still be authorised even if the AVS response is no match or failure. AVS responses are for indication to the merchant only, and usually do not influence the overall Authorisation result. This can vary per Card Holder Bank though (Issuing Bank).

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