When a customer enters their credit card on checkout - they are required to enter their billing address & zip code EXACTLY as it appears with their bank. If they don't, they will not be able to use that card for a transaction and - we generate a log of their order under Reports>Failed Payments showing what orders failed. Orders may show as pending charge on the clients credit card statement but that typically falls off after 24-48 hours.
Address Verification Service (AVS) codes
| Code | Visa | Mastercard | Discover | American Express |
|---|---|---|---|---|
| A | Street address matches, ZIP does not | Street address matches, ZIP does not | Address only Matches | Address and ZIP match |
| B | Street address matches, but ZIP not verified. | Not applicable | Not applicable | Not applicable |
| C | Street address and ZIP not verified | Not applicable | Not applicable | Not applicable |
| D | Street address and ZIP match (International Only) | Not applicable | Not applicable | Not applicable |
| E | AVS data is invalid or AVS is not allowed for this card type. | Not applicable | Not applicable | Not applicable |
| F | Street address and postal code match (UK Only) | Not applicable | Not applicable | Street address matches, card member name does not match |
| G | Non-U.S. issuing bank does not support AVS. | Not applicable | Not applicable | Not applicable |
| I | Address information not verified for international transaction | Not applicable | Not applicable | Not applicable |
| K | Not applicable | Not applicable | Not applicable | Card member name matches |
| L | Not applicable | Not applicable | Not applicable | Card member name and ZIP match |
| M | Street address and postal code match (International Only) | Not applicable | Not applicable | Card member name, street address, and ZIP code match |
| N | Street address and ZIP code do not match | Street address and ZIP code do not match | Street address and ZIP code do not match | Street address and ZIP code do not match |
| O | Not applicable | Not applicable | Not applicable | Card member name and street address match |
| P | Zip code matches, street address unverifiable due to incompatible formats (International Only) | Not applicable | Not applicable | Not applicable |
| R | System unavailable, retry | System unavailable, retry | System unavailable, retry | System unavailable, retry |
| S | AVS not supported | AVS not supported | AVS not supported | AVS not supported |
| T | Not applicable | Not applicable | 9-Digit ZIP matches, street address does not | Not applicable |
| U | Address information unavailable.
Returned if the U.S. bank does not support non-U.S. AVS or if the AVS in a U.S. bank is not functioning properly. |
Address information unavailable | Address information unavailable | Address information unavailable |
| W | 9-Digit ZIP matches, street address does not | 9-Digit ZIP matches, street address does not | 9-Digit ZIP matches, street address does not | Card member name, ZIP, and street address do NOT match |
| X | 9-Digit ZIP and street address match | 9-Digit ZIP and street address match | 9-Digit ZIP and street address match | Not applicable |
| Y | 5-Digit ZIP and street address match | 5-Digit ZIP and street address match | 5-Digit ZIP and street address match | 5-Digit ZIP and street address match |
| Z | 5-Digit ZIP matches, street address does not | 5-Digit ZIP matches, street address does not | 5-Digit ZIP matches, street address does not | 5-Digit ZIP matches, street address does not |
(CREDIT: Wikipedia)
Important Note
If an order notification doesn't go out then the charge was never processed. There may be orders under the failed payments report tab but that doesn't mean that charges went through, it simply means we ATTEMPTED to validate the information that the client submitted on their order with their bank but we couldn't as it didn't match, that's why order shows there as a failed payment. Customers may see a Pending charge on file with their card provider that is considered an Authorization but due to their failed validation of billing information - that pending charge will fall off in 24-72 hours & they won't be charged.
Failed Payments are NOT funded to your account.
Remember - unless client & restaurant receive notification of an order showing its been Prepaid - their payment did not go through.