| Code | Visa | MasterCard | Discover | American Express |
|---|---|---|---|---|
| Y | Address & 5-digit or 9-digit ZIP match | Address & 5-digit ZIP match | Address only matches | Address & ZIP match |
| A | Address matches, ZIP does not | Address matches, ZIP does not | Address & 5-digit ZIP match | Address only matches |
| S | AVS not supported | AVS not supported | AVS not supported | AVS not supported |
| R | System unavailable, retry | System unavailable, retry | Not applicable | System unavailable, retry |
| U | If it's international, it is because the issuer doesn't participate. If it's US or CA, it mostly because an underlying system failed to locate an address for the card...because there is no address available for the issuer/issuer processor to match against, or because the issuer does not participate in AVS or possible that the card network tried to do a match, but did not have address. So most of the times, this is because there is no address available to do a match | If it's international, it is because the issuer doesn't participate. If it's US or CA, it mostly because an underlying system failed to locate an address for the card...because there is no address available for the issuer/issuer processor to match against, or because the issuer does not participate in AVS or possible that the card network tried to do a match, but did not have address. So most of the times, this is because there is no address available to do a match | If it's international, it is because the issuer doesn't participate. If it's US or CA, it mostly because an underlying system failed to locate an address for the card...because there is no address available for the issuer/issuer processor to match against, or because the issuer does not participate in AVS or possible that the card network tried to do a match, but did not have address. So most of the times, this is because there is no address available to do a match | If it's international, it is because the issuer doesn't participate. If it's US or CA, it mostly because an underlying system failed to locate an address for the card...because there is no address available for the issuer/issuer processor to match against, or because the issuer does not participate in AVS or possible that the card network tried to do a match, but did not have address. So most of the times, this is because there is no address available to do a matche |
| Z | Either 5-digit or 9-digit ZIP match, address does not | 5-digit ZIP matches, address does not | 5-digit ZIP matches, address does not | ZIP code only matches |
| N | Neither ZIP nor address match | Neither ZIP nor address match | Neither ZIP nor address match | Neither ZIP nor address match |
| W | Not applicable | For U.S., 9-digit ZIP matches, address does not. For non-U.S., ZIP matches, address does not | Information not available | Not applicable |
| X | Not applicable | For U.S., all digits match. For non-U.S., ZIP and address match. | Address & 9-digit ZIP match | Not applicable |
| B | Address matches, ZIP not verified | Not applicable | Not applicable | Not applicable |
| T | Not applicable | Not applicable | 9-digit ZIP matches, address does not | Not applicable |
| P | ZIP matches, address not verified | Not applicable | Not applicable | Not applicable |
| C | Address and ZIP not verified | Not applicable | Not applicable | Not applicable |
| D | Address & ZIP match (International only) | Not applicable | Not applicable | Not applicable |
| G | Address not verified for International transaction (International only) | Not applicable | Not applicable | Not applicable |
| I | Address not verified (International only) | Not applicable | Not applicable | Not applicable |
| M | Address & ZIP match (International only) | Not applicable | Not applicable | Not applicable |
| F | Address & ZIP match (UK only) | Not applicable | Not applicable | Not applicable |
| Q | AVS Not Available | Not applicable | Not applicable | Not applicable |