AVS (Address Verification Services) verification reduces credit card processing rates for non-swiped credit cards. While the lowest rates occur when both the billing street address number and zip code are verified, the rate for a partially-verified credit card (only one number was verified or supplied) is still lower than a card with an unsuccessful (or no) AVS verification.

This article provides instruction and information on the following:

Monitor and correct AVS issues to save money

The Credit Card Deposit report shows the total amount charged to non-swiped credit cards with a partial AVS (Address Verification Services) approval. A partial AVS approval is given when either the billing street address number or the billing zip code are verified, but not both. The Credit Card Deposit report shows you the daily partial and unapproved AVS credit card totals. You may be able to reduce your credit card processing costs by correcting customer billing addresses for credit cards on-file in Paladin.

To find out which customers had AVS verification failures and for other AVS failure information, create the AVS Attention List report . This report opens an Excel spreadsheet with a description of the AVS issue and the relevant customer information on-file, such as the customer name, address verification values, email address, and last four digits of the credit card. You can use this information to request updated information from customers and the spreadsheet format can be used to drive an automated email campaign.

Important: To prevent identity theft, make sure that your customers do not provide credit card information by email. This information should be provided in-person, by phone or by fax.

If you are not using AVS to verify non-swiped credit card purchases, you can save money by adding AVS to your checkout process. Paladin supports AVS verification for both WorldPay and Element Payment Services.

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How to view AVS status

For AVS credit card verification, the customer must provide their billing street address number and billing zip code. If one of the numbers is correct, the credit card processing fee on purchases is reduced. If both numbers are correct, the fee is reduced further.

For non-swiped credit card purchases, the customer must provide this information at checkout. For a customer card-on-file, the customer must provide this information when the card is added to their account.

Paladin shows the AVS status for every card-on-file. To view AVS status for credit cards in a customer’s account:

  1. In Paladin, on the top ribbon, select the Customer module.
  2. In the Customers tab, find and display the customer’s information.
  3. Click the Electronic tab.
  4. In the Electronic tab, in the Stored Credit Cards pane, the following symbols for AVS status are displayed.
    • X: AVS verification failed.
    • !: AVS verification failed for one of the billing address numbers.
    • :AVS verification succeeded.
  5. To view AVS status details, click Edit Card Data.

To view information about all credit card AVS failures (one or both billing address numbers), follow these steps in How to create the AVS Attention List report

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How to create the AVS Attention List report

The Address Verification Service (AVS) Attention List report details which cards on file for customers do not meet the optimal AVS rating.  

AVS non-approval states (as supplied by the credit card processing industry) are:

  • Street address matches, but postal code does not match
  • Street address matches, but postal code not verified
  • Street address and postal code do not match
  • Card member’s name does not match, but street address matches
  • Street address does not match, but postal code matches

To create an AVS Attention List report:

  1. In Paladin, on the top ribbon, select the Reports module.
  2. In the Reports tab, in the Report Area pane, select Customers > Customer Lists.
  3. In the Report List pane, select AVS Attention List.
  4. In the Choose Report pane, click F12 Next.
  5. In the Report Settings pane, enable either Account Number or Customer Name in the Search By filed. Set the options accordingly.
  6. Click F12 Run Report.
  7. An Excel icon will appear on the bottom taskbar of your computer. Click the Excel icon to open the report.

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AVS supports international addresses and street names

Paladin accepts international addresses and street names for AVS verification.

When a customer’s credit card is tokenized and stored in their account, street names and international addresses can be entered as well as the traditional street number and zip code. This information is entered in the Credit Card Manager window, in the Address column. 

Adding a card on-file in the Customers module

  1. In Paladin, on the top ribbon, select the Customers module.
  2. Select the Electronic tab.
  3. In the Stored Credit Cards pane, click Edit Card Data.
  4. The Device Manager window opens with the following message:

    Note: Check Manual Entry if that is how you are entering the information from the payment terminal.
  5. After the information has been entered, in the Credit Card Manager window, click F12 Finish.

Processing a credit card purchase

In Paladin, in the Invoice/Quote module, in the Checkout tab, during the credit card approval process, a new Enter AVS Information window appears. The cashier must enter the customer’s address number, address name (if required by the credit card processor), and zip code for AVS verification. International addresses are also accepted.

If the credit card purchase is approved, but AVS verification fails or partially fails, we recommend that you press ESC, ask for another form or payment or cancel the sale.

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AVS verification for FSA cards

Note: This feature only applies to pharmacies that have FSA (flexible spending accounts) enabled through a SIGIS membership.

AVS verification for an FSA card on file is performed when the when the card is added to the customer account in Paladin. The FSA card’s AVS status will display with the card information in the Customers module, on the Electronic tab, in the Stored Credit Cards pane.

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If you have questions or suggestions about this information, contact support@paladinpos.com.

*Content is subject to change. For the most recent version, visit the Help Portal.
Printed on: 6/24/22