AVS settings Authorize.Net account

Certainly! Configuring the Address Verification Service (AVS) settings in your Authorize.Net account is essential for fraud prevention and ensuring secure credit card transactions. Let’s walk through the steps:

1. Log In to the Merchant Interface:

   • Access the Authorize.Net Merchant Interface using your credentials.

2. Navigate to AVS Settings:

   • Once logged in, follow these steps:
     • Click on Account.
     • Under Basic Fraud Settings, select Address Verification Service.

3. Review and Adjust AVS Response Codes:

   • You’ll see a list of AVS response codes. These codes indicate the results of matching the billing address provided by the cardholder with the address on file at the credit card issuing bank.
   • Here are some common AVS response codes:
     • B: Address information not submitted in the transaction.
     • E: Invalid AVS data or AVS not allowed for the card type.
     • R: AVS unavailable during transaction processing (retry later).
     • G: Non-U.S. card issuing bank (does not support AVS).
     • U: Address information not available for the customer’s credit card.
     • S: U.S. card issuing bank does not support AVS.
     • N: Neither street address nor 5-digit ZIP code matches.
     • A: Street address matches, but ZIP code does not.
     • Z: First 5 digits of ZIP code match, but street address does not.
     • W: 9-digit ZIP code matches, but street address does not.
     • Y: Street address and first 5 digits of ZIP code match perfectly.

4. Configure Your AVS Rejection Settings:

   • Decide which AVS response codes you want to use for rejecting transactions.
   • Follow these steps:
     • Click the checkbox next to each AVS response code you want to reject.
     • Click Submit to apply your settings.
     • A confirmation message will indicate that your changes have been successfully applied.

5. Important Considerations:

   • AVS is not foolproof and should not be solely relied upon for absolute protection against suspicious transactions.
   • Be aware that some legitimate transactions may be declined due to AVS settings.
   • Carefully assess your business’s risk level when configuring AVS mismatch rejection settings.

Remember that AVS helps enhance security, but it’s essential to strike a balance between fraud prevention and customer experience. Most banks and Merchant Service Providers recommend using AVS to avoid non-qualified transaction surcharges. Happy configuring! 🛡️🔒