Code

Definition

0

Advice of exception file change initiated by the Account Tracking Service (ATS), Chargeback Reduction Service (CRS), the Visa Travel Service Center (VTSC), or the Automatic Cardholder Database Update Service (Auto-CDB) of the Enhanced Authorization Service (EAS).

1

Response provided by Visa STIP because the request was timed out by Switch (Assured Transaction Response).

2

Response provided by Visa STIP because the transaction amount was below Issuer limit (PCAS processing), the transaction amount was below sliding dollar limit (PACM processing), or in response to a verification request.

3

Response provided by Visa STIP because the issuer is in Suppress Inquiries (SI) mode.

4

Response provided by STIP for one or more of the following reasons:

• Issuer was not available for processing (for reasons other than SI mode)
• CVV invalid, and Visa has acted on the negative results
• PVV invalid, and Visa has acted on the negative results

Code 4 is the default code when the others listed here do not apply.

5

Response provided by Issuer.

Code

Definition

VI, DV, and JCB

MC

AX

A

Street addresses match. The street addresses matches but the postal/ZIP code does not, or the request does not include the postal/ZIP code.

Y

Y

Y

B

Street addresses match. Postal code is not verified due to incompatible formats. (Acquirer sent street address and postal code.)

Y

N

N

C

Street address and postal code not verified due to incompatible formats. (Acquirer sent street address and postal code.)

Y

N

N

D

Street addresses and postal codes match. (International only)

Y

N

N

F

Street address and postal code match. (U.K. only)

Y

N

N

G

Address information is not verified for international transaction.

Y

N

N

I

Address information is not verified.

Y

N

N

M

Street address and postal code match. (International only)

Y

N

N

N

No match. Acquirer sent postal/ZIP code only, or street address only, or they sent the postal code and street address.

Y

Y

Y

P

Postal code match. Acquirer sent postal code and street address, but street address is not verified due to incompatible formats.

Y

N

N

R

Retry: System unavailable or timed out. Issuer ordinarily performs its own AVS but is unavailable. Available for U.S. issuers only.

Y

Y

Y

S

AVS currently not supported.

N

Y

Y

U

Address not verified for domestic transaction. No AVS information is available on record.

Y

Y

Y

W

For U.S. addresses, nine-character numeric postal code matches, address does not. For address outside the U.S., postal code matches,address does not.

N

Y

Y

Y

Street address and five-character numeric postal code match.

Y

Y

Y

Z

Postal/ZIP matches, street address does not match, or street address not  included in request.

Y

Y

Y

Code

Definition

Blank or not present

CVV was not verified.

1

CVV failed verification.

2

CVV passed verification.

Code

Definition

Blank or not present

Card authentication was not performed or some other situation prevented verification; for example, Issuer is not a service participant or a system or cryptographic error occurred.

1

The ARQC was checked, but failed verification.

2

The ARQC was checked and passed verification.

Code

Definition

M

CVV2/CID Match

N

CVV2/CID No Match

P

Not Processed

S

The CVV2/CID should be on the card, but the merchant indicates it is not.

U

The Issuer is not certified or has not provided Visa with encryption keys.

Code

Definition

1

Visa settles the transaction.

2

The transaction settles through the Automated Clearing House (ACH).

Code

Definition

Blank or not present

CAVV not present

0

CAVV authentication results invalid

1

CAVV failed validation – authentication

2

CAVV passed validation – authentication

3

CAVV passed validation—attempt

A 3-D Secure Service authentication value of 7 from the issuer’s ACS indicates that authentication was attempted. Determined that the issuer ACS generated this value from the use of the issuer’s CAVV keys

4

CAVV failed validation—attempt

A 3-D Secure Service authentication value of 7 from the issuer’s ACS indicates authentication was attempted. Determined that the issuer’s ACS generated this value from the use of the issuer’s CAVV keys

5

Not used (reserved for future use)

6

CAVV not validated, issuer not participating in CAVV validation (for Visa use only).

7

CAVV failed validation—attempt (U.S. issued cards only)

A 3-D Secure Service authentication value of 7 from Visa’s ACS indicates that an authentication attempt was performed. Determined that Visa generated this value from the use of Visa CAVV keys.

8

CAVV passed validation—attempt (U.S. issued cards only)

A 3-D Secure Service authentication value of 7 from Visa’s ACS indicates that an authentication attempt was performed.Determined that Visa generated this value from the use of Visa CAVV keys.

9

CAVV failed validation—attempt (U.S. issued cards only)

A 3-D Secure Service authentication value of 8 from Visa’s ACS indicates that an authentication attempt was performed when the issuer’s ACS was not available. Determined that Visa generated this value from the use of Visa CAVV keys.

A

CAVV passed validation—attempt (U.S. issued cards only).

A 3-D Secure Service authentication value of 8 from Visa’s ACS indicates that an authentication attempt was performed when the issuer’s ACS was not available. Determined that Visa generated this value from the use of Visa CAVV keys.

B

CAVV passed validation—information only, no liability shift.

When the ECI does not equal 5 or 6 and a CAVV is present, the CAVV will be validated, but no liability shift will occur. Visa will generate this value for card or transaction types that are not eligible for the 3-D Secure Service.

C

CAVV was not validated—attempt (for Visa use only).

If the issuer did not return a CAVV results code in the authorization response, V.I.P. will set the value to C.

D

CAVV was not validated—authentication (for Visa use only).

If the issuer did not return a CAVV results code in the authorization response, V.I.P. will set the value to C.