Address Verification Service

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A service that is offered as a part of the credit card authorization procedure. Address Verification Service (AVS) is intended to combat fraud in mail order, telephone order, and Internet transactions by including cardholder billing address information in the authorization request. The issuing bank compares the address information in the authorization request message with its database of information about the cardholder. If the address contained in the request message does not match the information in the database, the authorization may be declined. Mail, telephone, and Internet transactions that do not include cardholder AVS data are not eligible for the lowest interchange rates from the VISA® and MasterCard networks.

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