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
01	New account information available.
02	Cannot approve at this time, try again later.
03	Do not try again.*
04	Token requirements not fulfilled for this token type.
05	Negotiated value not approved.
21	Recurring payment cancelled.*
22	Merchant does not qualify for product code.
24	Retry after 1 hour (Mastercard use only).
25	Retry after 24 hours (Mastercard use only).
26	Retry after 2 days (Mastercard use only).
27	Retry after 4 days (Mastercard use only).
28	Retry after 6 days (Mastercard use only).
29	Retry after 8 days (Mastercard use only).
30	Retry after 10 days (Mastercard use only).
40	Consumer non-reloadable prepaid card.
41	Consumer single-use virtual card number.
42	Sanctions scoring service.
43	Consumer multi-use virtual card number.

note

* To align with compliant MIT (Merchant Initiated Transaction) practices, declined transactions with MAC 03 and 21 must not be reattempted.

A transaction is considered retried if it involves the same card, same merchant, and same amount within a 30-day period.