Enhanced AVS Handling Filters

Enhanced AVS Handling Filters refer to a feature that extends the functionality of the Address Verification Service (AVS) in the payment gateway. These filters allow merchants to customize how transactions that return AVS mismatch codes are handled. The Enhanced AVS Handling Filters provide options for different actions to be taken based on the AVS response codes received.

What Is AVS?

AVS serves as a powerful fraud prevention tool offered by issuing banks or card processors to detect potential fraudulent credit card transactions. It works by comparing the billing address and ZIP code provided during credit card authorizations with the information stored at the card-issuing bank.

The service then generates a response code that reveals the outcome of this comparison, providing valuable insights into the legitimacy of the transaction. These are the codes that may be generated:

Both the numerical part (street number) and the ZIP code match.

The ZIP code does match, but the numerical part (street number) doesn’t match.

Both the numerical part and the ZIP code don’t match.

The bank that issued the card does not support AVS.


AVS is a common feature found in payment gateways. The Enhanced AVS Handling Filter goes a step further by letting you customize how to handle transactions with AVS mismatch codes.

Enhanced AVS Handling Filters

AVS Setting

By using enhanced AVS handling filters, merchants can configure specific actions to be taken when a transaction returns a mismatch code. By customizing the filter settings, merchants can strengthen their fraud prevention strategies and minimize potential losses. Here's how the AVS setting process works:

Enable The Filter: The Enhanced AVS handling filter can be turned off or on by clicking on the corresponding tick box.

Select Filter Actions: For each AVS response code, merchants can choose from four filter actions:

    • Decline: Transactions triggering this filter action will be declined, preventing potential fraudulent transactions from being processed
    • Authorize And Hold: Transactions triggering this filter action will be authorized but held for further review, allowing merchants to manually review and verify the transaction before processing it
    • Authorize: Transactions triggering this filter action will be authorized without any additional hold or review, providing a seamless transaction experience for customers
    • No Action: Transactions triggering this filter action will not be subjected to any specific action, allowing merchants to handle them at their discretion
AVS mismatch

It's important to note that if a transaction triggers multiple filters with different actions, the most severe action will be applied. For example, if one filter is configured to decline transactions and another filter is configured to authorize and hold transactions, a transaction triggering both filters will be declined.

By using enhanced AVS handling filters, merchants can customize their strategies based on their risk tolerance and fraud prevention goals. For instance, they can choose to decline transactions outright, subject them to manual review, or adopt a risk-based approach that considers various factors before making a decision.


The Enhanced AVS Handling Filter is a powerful tool that empowers merchants to customize their response to transactions that trigger AVS mismatch codes. By enabling this filter and configuring the appropriate actions, merchants can enhance their fraud prevention measures and protect their businesses from potential losses. The ability to decline, authorize, hold, authorize, or take no action on transactions provides merchants with flexibility and control over their fraud prevention strategies.

In the ever-evolving landscape of online transactions, the Enhanced AVS Handling Filter is a valuable addition to any merchant's arsenal. By leveraging this filter, merchants can ensure that their transactions are thoroughly screened, minimizing the risk of fraudulent activity. With the ability to tailor the filter settings to their specific needs, merchants can strike a balance between security and a smooth customer experience.

Leo Scott Author Of Poslinksolution

Leo Scott

Leo has diverse working knowledge in departmental and chain stores, ranging from small convenience stores to multiple-location superstores. With in-depth knowledge of hardware for payment processing, he brings valuable insights to the table. Leo is a seasoned writer on topics related to insurance, finance, and technology.