AVS and CVV2 Requirements for CARD NOT PRESENT transactions

Helps secure the most favorable interchange rates for our merchants and gives protection against suspicious transaction activity

Address Verification System or AVS was designed by card issuers to aid in the detection of suspicious credit card transaction activity, and verify that the cardholder’s billing address information matches what the banks have on file.

The service is provided as part of a credit card authorization for mail order/telephone order transactions (MOTO) or Internet e-commerce transactions.  A code is received with an authorization result that determines the level of accuracy of the address match. This verification helps secure the most favorable interchange rates for our merchants.

Visa, MasterCard, Discover, and American Express support this service for US issued cards, and when paired with a CVV2 confirmation the result is a secure, verified transaction.

  • To verify a customer’s address, you will need the cardholder’s billing ZIP code and the house or apartment number of the billing address. You will not need to enter the street, city, or state of the cardholder.  

While AVS is not intended for use as absolute protection against suspicious transaction activity, it is an important step in securing non-face-to-face transactions. ClearGate recommends all of our merchants secure these types of orders with both AVS and CVV. 

  • If you receive any result other than Y for a match, you can either let the transaction go through at your discretion or void/cancel the transaction.