User's Guide

Fraud Filter Reference
High-risk Payment Filters
A
80 Fraud Protection Services User’s Guide
If AVS information is not submitted with the transaction, then the response is NN.
AVS checks only for a street number match, not a street name match, so 123 Main Street
returns the same response as 123 Elm Street. The “USPS Address Validation Failure Filter”
on page 85 validates the address information
NOTE: .
The specified action is taken whenever the AVS response does not meet the criterion that you
specified.
IMPORTANT:The AVS Failure filter performs the action after the transaction is processed.
This means that, if set to reject, the filter rejects the transaction after the
transaction is authorized by the processor. To charge the customer for such a
transaction, you must resubmit the transaction data.
Specifying the Level of AVS Checking
Specify one of the AVS settings:
 Full: Take action if a transaction returns any value other than YY (Y for street address and
Y for ZIP code).
 Medium: Take action if a transaction returns values other than these: XX, XY, YX, and
YY.
 Light: Take action only if NN is returned.
This table summarizes AVS levels:
TABLE A.1 AVS responses
Result Meaning
Y The submitted information matches information on file with the account holder's bank.
N The submitted information does not match information on file with the account holder's
bank.
X The account holder's bank does not support AVS checking for this information.
(Null) In some cases banks return no value at all.
T
ABLE A.2 AVS responses
AVS Setting Allowed Responses
Full (Y, Y)
Medium (X, X), (X, Y), (Y, X), (Y, Y)
Light (X, X), (X, Y), (Y, X), (X, N), (N, X), (N, Y), (Y, N), (Y, Y)