Converge Gateway CVV2 & AVS Response Codes

Transaction Errors; What Do These Codes Mean & How to Fix Them?

CVV2 Response Codes

Code Explanation
M CVV2 Match
N CVV2 No Match
P Not Processed
S Issuer indicated that CVV2 data should be present on the card, but the merchant has indicated that the CVV2 data is not present on the card
U Issuer has not certified for CVV2 or Issuer has not provided Visa with the CVV2 encryption Keys

AVS Response Codes

Code Explanation
A Address matches – ZIP Code does not
B Street address match – Postal code in wrong format. (International issuer)
C Street address and Postal code in wrong format
D Street address and Postal code match (International issuer)
E AVS Error
F Address does compare and 5-digit ZIP code does compare (UK only)
G Service not supported by non-US issuer
I Address information not verified by international issuer
M Street address and Postal code match (International issuer)
N No match on street address or ZIP code
O No response sent
P Postal codes match – Street address not verified due to incompatible formats
R Retry – System is unavailable or timed out
S Service not supported by issuer
U Address information is unavailable
W 9-digit ZIP code matches – Street address does not
X Exact match
Y Address and 5-digit ZIP code match
Z 5-digit ZIP matches – Street address does not

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