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El Servicio de verificación de dirección (Address Verification Service, AVS) es una función de seguridad que se usa para comparar la dirección de facturación ingresada por el pagador con los registros en poder el emisor de la tarjeta. En el mensaje de respuesta de transacción se devuelve un código de resultado de AVS que indica hasta qué punto coinciden las direcciones o no coinciden. La aplicación de negocio es responsable de decidir cómo administrar la transacción de pago sobre la base del código de resultado de AVS. También es posible rechazar una transacción según la respuesta de AVS que usa el servicio de Administración de riesgos. Para obtener más información sobre la administración de riesgos, póngase en contacto con your payment service provider.
AVS solo se admite en algunos adquirentes. Además, no todos los bancos admiten AVS, de manera que aun cuando los datos de AVS se pasen en la solicitud de transacción, si el banco emisor no lo admite, no se procesará.
Los campos usados para el nombre y la dirección de facturación del pagador se pueden usar para enviar información de verificación de dirección.
Esta sección detalla un ejemplo de solicitud y respuesta de AVS.
{ "apiOperation": "PAY", "billing": { "address": { "postcodeZip": "CR1 012", "street": "Leamington Street" } }, "order": { "amount": "100.00", "currency": "EUR", "transactionFiltering": { "avsResponseCodeRules": [ { "avsResponseCode": "ADDRESS_MATCH", "action": "NO_ACTION" }, { "avsResponseCode": "ADDRESS_ZIP_MATCH", "action": "NO_ACTION" }, { "avsResponseCode": "NAME_ADDRESS_MATCH", "action": "REVIEW" }, { "avsResponseCode": "NAME_MATCH", "action": "NO_ACTION" }, { "avsResponseCode": "NAME_ZIP_MATCH", "action": "REJECT" }, { "avsResponseCode": "NOT_AVAILABLE", "action": "REVIEW" }, { "avsResponseCode": "NOT_REQUESTED", "action": "NO_ACTION" }, { "avsResponseCode": "NOT_VERIFIED", "action": "REJECT" }, { "avsResponseCode": "NO_MATCH", "action": "REVIEW" }, { "avsResponseCode": "SERVICE_NOT_AVAILABLE_RETRY", "action": "NO_ACTION" }, { "avsResponseCode": "SERVICE_NOT_SUPPORTED", "action": "REJECT" }, { "avsResponseCode": "ZIP_MATCH", "action": "REVIEW" } ] } }, "sourceOfFunds": { "provided": { "card": { "expiry": { "month": "05", "year": "20" }, "number": "<16 digit card number>", "nameOnCard": "TESTNAME" } }, "type": "CARD" } }
{ "gatewayEntryPoint": "WEB_SERVICES_API", "merchant": "AVSCSC_PAY", "billing": { "address": { "postcodeZip": "CR1 012", "street": "Leamington Street" } }, "order": { "amount": 100.00, "authenticationStatus": "AUTHENTICATION_NOT_IN_EFFECT", "chargeback": { "amount": 0, "currency": "EUR" }, "creationTime": "2022-04-28T13:36:22.376Z", "currency": "EUR", "id": "831941870", "lastUpdatedTime": "2022-04-28T13:36:22.758Z", "merchantAmount": 100.00, "merchantCategoryCode": "6879", "merchantCurrency": "EUR", "status": "CAPTURED", "totalAuthorizedAmount": 100.00, "totalCapturedAmount": 100.00, "totalDisbursedAmount": 0.00, "totalRefundedAmount": 0.00, "transactionFiltering": { "avsResponseCodeRules": [ { "action": "NO_ACTION", "avsResponseCode": "ADDRESS_MATCH" }, { "action": "NO_ACTION", "avsResponseCode": "ADDRESS_ZIP_MATCH" }, { "action": "REVIEW", "avsResponseCode": "NAME_ADDRESS_MATCH" }, { "action": "NO_ACTION", "avsResponseCode": "NAME_MATCH" }, { "action": "REJECT", "avsResponseCode": "NAME_ZIP_MATCH" }, { "action": "REVIEW", "avsResponseCode": "NOT_AVAILABLE" }, { "action": "NO_ACTION", "avsResponseCode": "NOT_REQUESTED" }, { "action": "REJECT", "avsResponseCode": "NOT_VERIFIED" }, { "action": "REVIEW", "avsResponseCode": "NO_MATCH" }, { "action": "NO_ACTION", "avsResponseCode": "SERVICE_NOT_AVAILABLE_RETRY" }, { "action": "REJECT", "avsResponseCode": "SERVICE_NOT_SUPPORTED" }, { "action": "REVIEW", "avsResponseCode": "ZIP_MATCH" } ] } }, "response": { "acquirerCode": "0000", "cardSecurityCode": { "acquirerCode": "M", "gatewayCode": "MATCH" }, "cardholderVerification": { "avs": { "acquirerCode": "M", "gatewayCode": "ADDRESS_ZIP_MATCH" } }, "gatewayCode": "APPROVED", "gatewayRecommendation": "NO_ACTION" }, "result": "SUCCESS", "risk": { "response": { "gatewayCode": "ACCEPTED", "review": { "decision": "NOT_REQUIRED" }, "rule": [ { "data": "M", "name": "MERCHANT_AVS", "recommendation": "NO_ACTION", "type": "MERCHANT_RULE" }, { "data": "512345", "name": "MERCHANT_BIN_RANGE", "recommendation": "NO_ACTION", "type": "MERCHANT_RULE" }, { "data": "M", "name": "MERCHANT_CSC", "recommendation": "NO_ACTION", "type": "MERCHANT_RULE" }, { "name": "SUSPECT_CARD_LIST", "recommendation": "NO_ACTION", "type": "MERCHANT_RULE" }, { "name": "TRUSTED_CARD_LIST", "recommendation": "NO_ACTION", "type": "MERCHANT_RULE" }, { "data": "512345", "name": "MSO_BIN_RANGE", "recommendation": "NO_ACTION", "type": "MSO_RULE" }, { "data": "M", "name": "MSO_CSC", "recommendation": "NO_ACTION", "type": "MSO_RULE" } ] } }, "sourceOfFunds": { "provided": { "card": { "brand": "MASTERCARD", "expiry": { "month": "5", "year": "20" }, "fundingMethod": "CREDIT", "number": "512345xxxxxx0008", "scheme": "MASTERCARD", "storedOnFile": "NOT_STORED" } }, "type": "CARD" }, "timeOfLastUpdate": "2022-04-28T13:36:22.758Z", "timeOfRecord": "2022-04-28T13:36:22.606Z", "transaction": { "acquirer": { "batch": 1, "id": "SYSTEST_ACQ1", "merchantId": "123456" }, "amount": 100.00, "authenticationStatus": "AUTHENTICATION_NOT_IN_EFFECT", "authorizationCode": "OK098Z", "currency": "EUR", "id": "85290238", "receipt": "2204284", "source": "INTERNET", "stan": "4", "terminal": "2345678", "type": "PAYMENT" }, "version": "64" }