AVS and CVV Response Codes

The following AVS Response Codes are specific to each brand:

CodeVisa
YAddress & 5-digit or 9-digit ZIP match
AAddress matches, ZIP does not
SAVS not supported
RSystem unavailable, retry
UInformation not available
ZEither 5-digit or 9-digit ZIP match, address does not
NNeither ZIP nor address match
BAddress matches, ZIP not verified
PZIP matches, address not verified
CAddress and ZIP not verified
DAddress & ZIP match (International only)
GAddress not verified for International transaction (International only)
IAddress not verified (International only)
MAddress & ZIP match (International only)
FAddress & ZIP match (UK only)
CodeMasterCard
YAddress & 5-digit ZIP match
AAddress matches, ZIP does not
SAVS not supported
RSystem unavailable, retry
UInformation not available
Z5-digit ZIP matches, address does not
NNeither ZIP nor address match
CodeDiscover
YAddress only matches
AAddress & 5-digit ZIP match
SAVS not supported
USystem unavailable, retry
Z5-digit ZIP matches, address does not
NNeither ZIP nor address match
WInformation not available
XAddress & 9-digit ZIP match
T9-digit ZIP matches, address does not
CodeAmex
YAddress & ZIP match
AAddress only matches
SAVS not supported
RSystem unavailable, retry
UInformation not available
ZZIP code only matches
NNeither ZIP nor address match

The following is a list of response codes for the CVV2/CVC2/CID verification system and what each one indicates.

CodeVisa
MMatch
NNo Match
PNot Processed
SShould be on card but not so indicated
UIssuer Not Certified
XNo response from association
No CVV2/CVC data available for transaction