Address Verification Service

最新推荐文章于 2021-04-26 15:01:13 发布

最新推荐文章于 2021-04-26 15:01:13 发布 · 321 阅读

本文介绍了地址验证服务（AVS）的工作原理及应用。AVS通过比对交易时提供的数值型地址信息与发卡行记录的持卡人账单地址来验证交易的真实性。银行使用AVS确认客户提供的账单地址是否准确，若信息不符，则可能存在欺诈风险。商家可根据AVS反馈自行决定处理方式。

•Definition:The Address Verification Service (AVS) verifies the billing address that is sentwith the transaction against thecardholder's billingaddress on file at the card issuer.

AVS checking is performed by matching thenumericaladdress informationprovided at the time of a purchase (such as in a shipping address field) withthat numerical address information held on record for the authorized cardholder. AVS does not examine the text portion ofthe address

•Card issuers do not decline transactions because of AVS mismatches. The merchant decides how to handle the AVS information.

•For supported processors and card types, the issuing bank uses AVS to confirm that thecustomer hasprovided the correct billing address. If the customer provides incorrect information, the transaction might be fraudulent

•Settling authorizations that fail the AVS check might have an impact on the fees charged by yourbank.Contact your bank for details about how AVS management might affect yourdiscount rate.