My Merchant Account Blog

Vetting the Transaction - Address Verification Service

Tuesday, January 05, 2010

Address Verification Service, also known as AVS, is one of the primary tools used to help verify the identity of the cardholder.  The electronic payment gateway will usually do this vetting process itself - and some electronic payment gateway charge a fee for this service.  Some merchant account providers will downgrade the transaction to non-qualified if AVS is not done (or cannot be done).

There is really no reason not to do AVS on the transaction and most merchant account providers will not support the transaction if AVS can be done on the transaction.  If this feature is not offered by the electronic payment gateway, consider Changing Merchant Account Providers and / or electronic payment gateways (Quantum Gateway supports Address Verification Service (AVS).  The merchant account provider might be charging you more for each transaction if an AVS response is not posted on the transaction.

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