A security feature that verifies the address provided by the cardholder matches the issuer's records.
When you use your credit or debit card online or over the phone, an important verification process happens behind the scenes. Address Verification Service (AVS) helps validate that transactions match your card's billing address. Understanding how AVS works can help you shop securely and avoid disruptions.
AVS is a fraud prevention system used by card issuers and merchants during card-not-present transactions like online or phone purchases.
Here's how it works:
AVS helps issuers and merchants confirm a legitimate cardholder is making the purchase by cross-checking key identity data.
There are a few reasons an AVS check can fail and temporarily block a transaction:
AVS is an imperfect system - the criteria for address "matches" also varies by issuer. But overall it does effectively flag suspicious transactions for further verification.
To avoid headaches from failed AVS checks:
With vigilance around billing address accuracy, you can minimize disruptions from AVS and maximize security.
AVS provides an essential layer of fraud protection by verifying card transactions align with your address. Being mindful of address changes and data entry can help ensure this verification doesn't mistakenly block your legitimate purchases. Keeping issuer address records current makes for smooth sailing at checkout.