Address Verification System

Each card scheme maintain an own set of return codes. To facilitate the implementation Wirecard maps those codes to a uniformed set of scheme independent response codes.

AVS in Payment Response

If merchant’s Wirecard provider account is configured to store AVS data (connector.avs.data.store=true) the AVS result is returned as additional part in the payment response and notification.

Response with AVS Data
<?xml version="1.0" encoding="UTF-8" standalone="yes"?>
<payment xmlns="http://www.elastic-payments.com/schema/payment" xmlns:ns2="http://www.elastic-payments.com/schema/epa/transaction" self="http://127.0.0.1:8080/engine/rest/merchants/dfc2a910-036f-4363-af06-e482af0f4ef4/payments/ae58735e-0792-4fab-b584-5a3e8f2531aa">
    <merchant-account-id ref="http://127.0.0.1:8080/engine/rest/config/merchants/dfc2a910-036f-4363-af06-e482af0f4ef4">dfc2a910-036f-4363-af06-e482af0f4ef4</merchant-account-id>
    <transaction-id>ae58735e-0792-4fab-b584-5a3e8f2531aa</transaction-id>
    <request-id>{{$guid}}</request-id>
    <transaction-type>authorization</transaction-type>
    <transaction-state>success</transaction-state>
    <completion-time-stamp>2019-04-04T07:52:10.000+02:00</completion-time-stamp>
    <statuses>
        <status code="201.0000" description="3d-acquirer:The resource was successfully created." severity="information"/>
        <status code="200.1083" description="3d-acquirer:Cardholder Successfully authenticated." severity="information"/>
    </statuses>
    <avs-code>U</avs-code>
    <csc-code>P</csc-code>
    <requested-amount currency="USD">1.00</requested-amount>
    <parent-transaction-id>d45ef252-487a-4b34-b162-9a0d7df00b79</parent-transaction-id>
    <account-holder>
        <first-name>John</first-name>
        <last-name>Doe</last-name>
        <email>john.doe@test.com</email>
        <phone/>
        <address>
            <street1>123 anystreet</street1>
            <city>Brantford</city>
            <state>ON</state>
            <country>CA</country>
        </address>
    </account-holder>
    <card-token>
        <token-id>4781015870131003</token-id>
        <masked-account-number>401200******1003</masked-account-number>
    </card-token>
    <ip-address>127.0.0.1</ip-address>
    <descriptor>demo descriptor</descriptor>
    <custom-fields>
        <custom-field field-name="provider.response.avs-provider-result-code" field-value="I"/>
        <custom-field field-name="provider.response.status.type" field-value="Y"/>
    </custom-fields>
    <payment-methods>
        <payment-method name="creditcard"/>
    </payment-methods>
    <authorization-code>792818</authorization-code>
    <three-d>
        <cardholder-authentication-status>Y</cardholder-authentication-status>
    </three-d>
    <api-id>elastic-api</api-id>
    <avs>
        <result-code>U</result-code>
        <result-message>AVS Unavailable.</result-message>
        <provider-result-code>I</provider-result-code>
        <provider-result-message>Address information is unavailable, or the Issuer does not support AVS. Acquirer has representment rights.</provider-result-message>
    </avs>
</payment>

Wirecard Response Codes

The following table outlines the set of codes used by Wirecard. This uniformed codes should be the preferred source for decisions related to AVS.

Response Code Message Description

0

Reserved

Reserved.

F

Exact Match

Street address and zip code match.

P

Partial Match

Either street address or zip codes do not match.

U

AVS unavailable

Address information is unavailable or the Issuer does not support AVS.

E

Error

AVS not performed due to an error or insufficient data.

N

No Match

Neither address nor zip code match.

Authorization Entity

The Authorization Entity defines the party responding to the AVS Request.

Authorization Entity Message

2

Response provided by Intermediate processor.

5

Response provided by issuer processor.

Provider Response Code

The Provider Response Code is the code returned from the provider. If the business case was activated for AVS the code it is returned together in the response, together with the human readable Provider Response Message. The following table lists the current set of codes used by the card schemes and outlines the mapping between the Provider Response Code and the unified Wirecard Response Code. Please note that the actual Provider Response Code depends on the actual used provider and could be also changed and extended by the provider. So it may differ from the table below. Therefore Wirecard recommends the preferred usage of the Wirecard Response code.

American Express
American Express Code Wirecard Code Description

A

P

CSC and Address Matched

F

F

All Data Matched

N

P

CSC Match

U

U

Data Not Checked

Y

F

All Data Matched

Z

P

CSC and Postcode Matched

F

Exact Match

Street address and zip code match

American Express AAV (enhanced AVS)
American Express Code Wirecard Code Description

Y

F

Yes, Billing Address and Postal Code are both correct.

N

N

No, Billing Address and Postal Code are both incorrect.

A

P

Billing Address only correct.

Z

P

Billing Postal Code only correct.

U

U

Information unavailable.

S

U

SE not allowed AAV function.

R

E

System unavailable; retry.

L

P

CM Name and Billing Postal Code match.

M

F

CM Name, Billing Address and Postal Code match.

O

P

CM Name and Billing Address match.

K

P

CM Name matches.

D

P

CM Name incorrect, Billing Postal Code matches.

E

P

CM Name incorrect, Billing Address and Postal Code match.

F

P

CM Name incorrect, Billing Address matches.

W

N

No, CM Name Billing Address and Postal Code are all incorrect.

Mastercard
Mastercard Code Wirecard Code Description

A

P

Address matches, postal code does not.

N

N

Neither address nor postal code match.

R

E

Retry. System unable to process.

S

U

AVS currently not supported.

U

U

No data from issuer authorization system.

W

P

For U.S. addresses, nine-digit postal code matches, address does not. For addresses outside U.S., postal code matches, address does not.

X

F

For U.S. addresses, nine-digit postal code and address match. For addresses outside U.S., postal code and address match.

Y

F

For U.S. addresses only, five-digit postal code and address match.

Z

P

For U.S. addresses only, five-digit postal code matches, address does not.

Visa
Visa Code Type Wirecard Code Description

A

Domestic

P

The address information matches. The postcode does not match.

B

International

P

Street address matches, but postal code not verified. Returned only for non U.S.-issued Visa cards.

C

International

N

Street address and postal code do not match. Returned only for non U.S.-issued Visa cards.

D

International

F

The match is exact: both the address and the postcodes match. No representment rights.

E

Domestic

E

AVS data is invalid or AVS is not allowed for this card type.

G

International

U

Address information is unavailable, or the Issuer does not support AVS. Acquirer has representment rights.

I

International

U

Address information is unavailable, or the Issuer does not support AVS. Acquirer has representment rights.

P

International

P

Postal code matches, but street address not verified. Returned only for non U.S.-issued Visa cards.

R

Domestic

U

System unavailable.

S

Domestic

U

U.S.-issuing bank does not support AVS.

M

International

F

The match is exact: both the address and the postcodes match. No representment rights.

N

Domestic

N

The match is not exact, either because the postcode and/or the addresses do not match.

U

Domestic

U

Address information unavailable. Returned if the U.S. bank does not support non-U.S. AVS or if the AVS in a U.S. bank is not functioning properly.

W

Domestic

P

Street address does not match, but 9-digit postal code matches.

X

Domestic

F

Street address and 9-digit postal code match.

Y

Domestic

F

Street address and 5-digit postal code match.

Z

Domestic

P

The postcode information matches. The address information does not match.

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