What is Address Verification Services (AVS) and why is it important?
AVS uses the zip code associated with a credit or debit card to validate that the cardholder expressly authorized a card-not-present transaction at the time of purchase. This is an industry-standard security measure that adds another layer of protection against fraud. It also helps in the chargeback process by giving you a stronger case.
How does AVS work?
When processing a card-not-present transaction or storing a card on file, your client will need to provide their billing zip code.
Charging a Keyed-In Card
When manually entering a card number, you will be prompted to enter the expiration date, CVC, and billing zip code for the card. All information is mandatory. If you wish to store the card on file afterward, you will not be prompted to reenter any of this information.
Storing a card on file
When a client wants to store their card on file with your business, you will need to include their billing zip code after swiping or keying it in. The card will not store and the transaction will not process without the zip code.
If you or your client no longer wish to store the card on file, uncheck the “Client consents to storing card on file” checkbox and you’ll be able to process the transaction normally.
Charging a card on file
When charging a card on file that has no zip code or one that’s invalid, you’ll be prompted to confirm the billing zip code when checking out. A zip code is not required to process the transaction. However, it is highly recommended for your security.
When clients book an appointment or purchase something via your booking widget, they will be required to enter their credit card number, CVC, Expiration Date, and Billing Zip Code. These fields have always been visible and required, so your clients will see no change in how they book online.