Do the Address Verification (AVS) results affect whether the credit card transaction is approved?

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No. The results are for your information only. The credit card payment is processed even if the AVS check indicates a mismatch between the address information you entered and what is on file at the cardholder's bank, or if the address information isn't available.

One reason QuickBooks verifies the address is to reduce the rate for your charges. The rate reduction applies even for transactions in which the AVS check returns a mismatch.

AVS Codes

Code What it means
Match The address information you entered matches the address information on file with the cardholder's bank.
No Match The address information you entered does not match the address on file with the cardholder's bank. Your transaction still processed. If you suspect credit card fraud, you should void the transaction.
Not Available Either address verification is not supported by the cardholder's bank, or else this transaction came from a recurring template. Your transaction is still processed.

What if there is a mismatch?

If "No Match" returns for the transaction, check that you entered the customer's ZIP code correctly when you set up the payment.

If you entered the ZIP code correctly, ask your customer why it does not match the address on file with the bank.

If you suspect credit card fraud, do not deliver your product or service and void the transaction.

See also

QuickBooks Payments overview