AVS & CVV Response Codes
What each address and security code verification result means.
AVS
| Code | Meaning | Result |
|---|---|---|
| Y | Street address and 5-digit ZIP code both match. | Match |
| X | Street address and 9-digit ZIP code both match. | Match |
| D | Street address and postal code match (international). | Match |
| M | Street address and postal code match (international). | Match |
| F | Street address and postal code match (UK). | Match |
| A | Street address matches, ZIP code does not. | Partial |
| B | Street address matches, postal code not verified (international). | Partial |
| Z | 5-digit ZIP code matches, street address does not. | Partial |
| W | 9-digit ZIP code matches, street address does not. | Partial |
| P | Postal code matches, street address not verified (international). | Partial |
| N | Neither street address nor ZIP code match. | No match |
| C | Street address and postal code not verified (international). | No match |
| I | Address not verified (international). | No match |
| G | Issuer does not participate in AVS (non-US issuer). | Unavailable |
| R | Retry: issuer system unavailable or timed out. | Unavailable |
| S | Service not supported by the issuer. | Unavailable |
| U | Address information unavailable. | Unavailable |
| E | AVS error or not allowed for this transaction type. | Unavailable |
CVV2 / CVC2 / CID
| Code | Meaning | Result |
|---|---|---|
| M | CVV2/CVC2/CID matches. | Match |
| N | CVV2/CVC2/CID does not match. | No match |
| P | Not processed. | Unavailable |
| S | Merchant indicated CVV is present on the card but it was not provided. | No match |
| U | Issuer is not certified or has not provided encryption keys. | Unavailable |
| X | No response from the card network. | Unavailable |
About the AVS & CVV Response Codes
When you authorise a card-not-present payment, the issuer returns an AVS code comparing the billing address and postal code, and a CVV code for the 3- or 4-digit security code. Use full matches to approve, partial matches for review and mismatches as strong risk signals. Many non-US issuers do not support AVS, so treat "unavailable" codes neutrally.
FAQ
Should I decline AVS N?
An N means neither address nor postal code matched. Many merchants decline or review it, especially with high-value orders.