Result codes

Address Verification Service (AVS)

Address Verification Service (AVS) is a service provided by the payment brands that determines the match or partial match of the consumer's address information. Below is a table of AVS response codes and their descriptions.

Code	Description	Visa	Mastercard
A	Address matches, zip code does not match.	✅	✅
B	Address matches, postal code does not match (foreign card).	✅	-
C	Address and postal code do not match (foreign card).	✅	-
D	Address and postal code match (foreign card).	✅	-
E	Ineligible transaction or message contains content error.	✅	-
F	Address and postal code match (UK only).	✅	-
G	Address and postal code verification not supported by card issuer (foreign card).	✅	-
I	Address not verified (foreign card).	✅	-
M	Address and postal code match (foreign card).	✅	-
N	Neither address nor ZIP code matches.	✅	✅
P	Postal code matches, address does not match (foreign card).	✅	-
R	System unavailable or timed out. Retry.	✅	✅
S	Card issuer does not support address verification system.	✅	✅
U	Address information is unavailable (domestic).	✅	✅
W	9-digit ZIP code matches, address does not match.	✅	✅
X	Address and 9-digit ZIP code match.	✅	✅
Y	Address and 5-digit ZIP code match.	✅	✅
Z	5-digit ZIP code matches, address does not.	✅	✅

Card Verification Value (CVV)

The table below explains the card verification value (CVV) response codes that you might receive when you are carrying out a CVV check or verifying a card.

Code	Description
M	Card verification value matches.
N	Card verification value does not match or is invalid.
P	Card verification value not processed.
U	Issuer not registered. Issuer has not certified for CVV or issuer has not provided Visa with the CVV encryption keys.
S	Issuer indicates that CVV data should be present on the card, but the merchant has indicated data is not present on the card.

Merchant Advice Code (MAC)

The Merchant Advice Code (MAC) is a Mastercard-specific code that provides more details about a response:

• The reason for approving or declining a transaction.
• The actions merchants can take to continue to serve their customers.

Code	Description	Recommended merchant action
01	New account information available.	Retry allowed only after credentials refresh.
02	Cannot approve at this time, try again later.	Wait 24 hours before resubmitting the authorization request.
03	Do not try again.	Do not retry.
04	Token requirements not fulfilled for this token type.	Retry allowed only after token correction.
05	Negotiated value not approved.	Do not retry only after parameters correction.
21	Recurring payment cancelled.	Do not retry.
22	Merchant does not qualify for product code.	Do not retry.
24	Indicate insufficient funds.	Retry after 1 hour (Mastercard use only).
25	Indicate insufficient funds.	Retry after 24 hours (Mastercard use only).
26	Indicate insufficient funds.	Retry after 2 days (Mastercard use only).
27	Indicate insufficient funds.	Retry after 4 days (Mastercard use only).
28	Indicate insufficient funds.	Retry after 6 days (Mastercard use only).
29	Indicate insufficient funds.	Retry after 8 days (Mastercard use only).
30	Indicate insufficient funds.	Retry after 10 days (Mastercard use only).
40	Consumer non-reloadable prepaid card.	Do not retry.
41	Consumer single-use virtual card number.	Do not retry.
42	Sanctions scoring service.	Do not retry.
43	Consumer multi-use virtual card number.	Retry allowed, depending on issuer response.

note

For further information about retries, see authorization retry strategies.

Response code category

The Response code category is a Visa-specific category based on the response code of the scheme that provides more details about a response. It indicates the actions merchants can take to continue serving their customers.

Response code category	Description	Recommended merchant action
issuer_will_never_approve	Indicates a permanent condition that cannot be fixed by the merchant.	Do not retry with the same credential. Request an alternative payment method or contact the cardholder.
issuer_cannot_approve_this_time	Indicates the issuer may approve the request in the future but cannot do so at the time of the request.	Retry allowed. Limit reattempts and consider retrying at a later time or after customer action.
revalidate_data_before_reattempt	Indicates the issuer may approve the request in the future but cannot do so at the time of the request.	Correct the transaction data (e.g. expiry date, CVV, authentication) before retrying.
generic_issuer_decline	Indicates data quality issues in which invalid payment or authentication data has been provided and that the issuer will approve the transaction if valid information is provided.	Retry permitted, but outcome uncertain. Avoid excessive retries.

note

For further information about retries, see authorization retry strategies.