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Why Do Legitimate Charges Get AVS Rejected?
The Address Verification System (AVS) is a tool used by credit card processors to detect fraudulent transactions by comparing the billing address provided by the customer with the address on file with the card issuer. While AVS is effective in preventing unauthorized transactions, legitimate charges can sometimes be rejected due to AVS mismatches. Here are some common reasons why this occurs:
1. Human Errors
Simple mistakes, such as typographical errors or misspellings in the billing address, can lead to mismatches. For example, entering "123 Main St." instead of "123 Main Street" can cause a discrepancy. Additionally, omitting apartment numbers or using incorrect ZIP codes can result in AVS rejection.
2. Outdated Addresses
If a customer has recently moved and hasn't updated their billing address with their card issuer, the provided address during a transaction may not match the one on file. This discrepancy can trigger an AVS mismatch, leading to a declined transaction.
3. Non-Standardized Address Formats
Variations in address formats, such as using abbreviations ("St." vs. "Street") or including/excluding punctuation, can cause mismatches. Different systems may interpret and store addresses differently, leading to potential discrepancies during verification.
4. Partial Matches
AVS checks can return partial matches, such as when the street address matches but the ZIP code does not, or vice versa. Merchants must decide how to handle these partial matches, and some may choose to decline transactions that aren't complete matches to minimize fraud risk.
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