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 a customer books online, they may be required to enter a credit or debit card based on your online booking settings. During this process, they’ll also provide their billing address, which is saved with the appointment and card information.
This allows us to obtain a pre-authorization token from the issuing bank, so you can charge the card if the client no-shows or late cancels.
When charging a cancellation fee, you may see a field asking for a ZIP code. Entering it is not required, since the billing information has already been collected and authorized.
If the cancellation fee fails, it may be due to incorrect billing details or an inactive card. In that case, you can manually enter the ZIP code in the checkout window and attempt the charge again.
Online booking
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.
