> For the complete documentation index, see [llms.txt](https://docs.xplorpay.com/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.xplorpay.com/merchant-portal/guides/virtual-terminal/vt-settings/address-verification-avs.md).

# Address Verification (AVS)

The Address Verification Service (AVS) tab contains settings to reduce fraud. This setting allows you to verify that the customer using the credit card is the actual card owner by matching the billing address entered with the address on file at the cardholder’s issuing bank. AVS information also reduces processing costs for key-entered, card-not-present, and e-commerce transactions.

The following table provides information about the field available in the **Address Verification (AVS)** tab:

<table><thead><tr><th width="188" valign="top">Field Name</th><th width="375" valign="top">Description</th><th valign="top">Editable?</th></tr></thead><tbody><tr><td valign="top">Enable AVS</td><td valign="top"><p>Select the checkbox next to this field to enable the Address Verification Service setting.</p><p></p><p>The Address Verification Service (AVS) setting is <em>disabled</em> by default.</p><p></p><ul><li>When the Address Verification Service (AVS) setting is <strong>disabled</strong>, Xplor Pay processes transactions after approval from the cardholder’s issuing bank. Xplor Pay verifies the address information provided by the customer with the cardholder’s issuing bank.</li><li>When the Address Verification Service (AVS) setting is <strong>enabled</strong>, Xplor Pay <a href="/pages/ljfmvyhaTdaGcJVT3U3Z">voids a transaction</a> until certain AVS responses are verified, even after the transaction receives approval from the cardholder’s issuing bank.</li></ul></td><td valign="top">Editable</td></tr></tbody></table>

When you *enable* the Address Verification Service (AVS) setting, the following options appear with check marks and AVS response codes:

* Match of address and 9-digit zip code
* Match of address and 5-digit zip code
* Match of 9-digit zip code; address does not match
* Match of 9-digit zip code; address does not match
* Address; Address Matches ZIP Does Not Match
* No; Address and ZIP Do Not Match
* Address information not verified
* Service Not Supported; Issuer does not support address verification
* Address information is unavailable
* Error: Transaction ineligible for address verification
* Retry; System Unavailable on Timeout


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