AVS Filter

One of the fraud prevention tools provided by all card networks is an Address Verification System. By submitting the customer’s address information in the billToAddress section of the cnpAPI message, you can verify that the address/zip code supplied by the consumer matches the issuer’s records. The card networks, however, do not decline transactions based upon the failure to match the address or zip code. Using the AVS Filter, you can filter potentially fraudulent transactions based upon failure to match any of the following:

• the address

• the zip/postal code

• the address + zip/postal code (ANDed)

• the address or zip/postal code (ORed)

Upon a decline, the system returns a Response Reason Code of 319 - Restricted Card - Fraud AVS Filtering Service.