AVS - Address Verification System

Glossary - AVS

Address Verification System (also known as Address Verification Service).

A fraud-prevention system that matches the address information provided by the consumer for card-not-present credit/debit card transactions with the address information kept on record by the card issuers.

Address Verification Services (AVS) is now in place for the protection of CNP transactions. The service enables Merchants to reduce fraud losses through the verification of cardholder billing address data. The address data is sent through to the Issuer with the authorisation request and is checked against their database. Various responses are returned such as ‘address matched', ‘postcode not matched'. These responses are incorporated in the call-back, the email confirmation and the Merchant Management System. Based on this response the Merchant can make the decision to ship the goods or not.

Perpetual Payments Limited is part of the Voice Commerce Group. | Voice Commerce Limited (company number 5428358) is authorised by the Financial Services Authority under the Payment Service Regulations 2009 (register reference 504312) for the provision of payment services and holds a consumer credit licence (number 624404/1). VoicePay Limited (company number 5042556) has been issued with a small e-money issuers certificate and is regulated for the provision of payment services by the Financial Services Authority. Voice Commerce Group is registered as an ISO/MSP under Visa & MasterCard rules.