Teacher
Professional
- Messages
- 2,670
- Reaction score
- 776
- Points
- 113
When I started working, I did not immediately understand the existence and the principle of operation. The topic is stuffy, but basic, without understanding it, you can't go anywhere.
AVS is an address verification service, a service provided by large credit card processors that allows sellers to verify the ownership of a credit or debit card used by a buyer. The principle of the technology is demonstrated in the block diagram.
Despite the age of this technology (the article in the wiki dates back to 2009), AVS is a significant factor in verifying a transaction (and subsequently an order) in many US shops.
It is important to understand that this check affects the merchant's decision, but does not affect approve or decline. That is, with certain merchant settings, approve is possible even with a "complete mismatch".
Countries in which AVS works:
AVS checks the numbers in the ZIP line and Address 1.
Example: 360 Park Ave, Apt A1, New York, NY 10022-1234, United States, AVS will check only the highlighted numbers. In this case, if the card is Australian (included in the list of countries with AVS), and the billing in the order is US, then the answer will be "international card", although at first glance it seems that the logical answer would be "complete mismatch".
It is worth noting that despite the fact that AVS makes it possible to check the house number in the address line, most merchants use verification only by the ZIP line, which is a sufficient vulnerability of stores for savvy carders.
Accordingly, to "bypass" AVS, you will need to empirically establish which check is enabled in the merchant: zip or zip + address 1. If only zip is checked, it will be enough to simply find a CC with the same ZIP as the drop, and boldly hang the order directly to the drop's address, specifying its address as billing. If the shop does not have any other anti-fraud technology (woocommerce is an example), or you pass anti-fraud technology checks, then success is guaranteed.
AVS is an address verification service, a service provided by large credit card processors that allows sellers to verify the ownership of a credit or debit card used by a buyer. The principle of the technology is demonstrated in the block diagram.
Despite the age of this technology (the article in the wiki dates back to 2009), AVS is a significant factor in verifying a transaction (and subsequently an order) in many US shops.
It is important to understand that this check affects the merchant's decision, but does not affect approve or decline. That is, with certain merchant settings, approve is possible even with a "complete mismatch".
Countries in which AVS works:
- United States
- Canada
- Australia
- New Zealand
- United Kingdom
AVS checks the numbers in the ZIP line and Address 1.
Example: 360 Park Ave, Apt A1, New York, NY 10022-1234, United States, AVS will check only the highlighted numbers. In this case, if the card is Australian (included in the list of countries with AVS), and the billing in the order is US, then the answer will be "international card", although at first glance it seems that the logical answer would be "complete mismatch".
It is worth noting that despite the fact that AVS makes it possible to check the house number in the address line, most merchants use verification only by the ZIP line, which is a sufficient vulnerability of stores for savvy carders.
Accordingly, to "bypass" AVS, you will need to empirically establish which check is enabled in the merchant: zip or zip + address 1. If only zip is checked, it will be enough to simply find a CC with the same ZIP as the drop, and boldly hang the order directly to the drop's address, specifying its address as billing. If the shop does not have any other anti-fraud technology (woocommerce is an example), or you pass anti-fraud technology checks, then success is guaranteed.
Last edited by a moderator:
