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AVS Response


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So I've been wondering for a while now about the AVS responses I get back.

 

Here's the key I've used for a reference:

 

Legend for AVS Response:

A = Address matchs, Zip does not

D = Street address and Postal Code match (international issuer)

E = AVS System Error

G = (International Cards) Service not supported by issuer.

N = no match on Address or Zip Code.

R = Retry, system unavailable or timed out.

S = Service not supported by issuer.

U = Address information unavailable.

W = 9 digit Zip matches, Address does not.

X = Exact AVS match.

Y = Address and 5 digit zip code match.

Z = 5 digit Zip Code matches, Address does not.

 

 

Now, when I get a respones of "Y" does this mean that the address the credit card company has on file is the same as what I entered for the card? Or is it simply meaning that the address I entered and that zip code match each other and not necessarily what the credit card company has on file?

 

Thanks!

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