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Invalid billing address in Credit Card Authorization resulting in approved transaction



My team and I are trying to use to authorize a credit card (but not charge it).  For context we're implementing the PHP SDK in a custom Drupal 7 module. 

After our initial sandbox tests we switched over to the live API. However, using the live API I am a getting successful transaction response regardless of whether or not I use the correct billing address with the credit card number I am testing with. Shouldn't we be getting a response of 2 (This transaction has been declined.) rather than a response of 1 (This transaction has been approved)?

Also in my email notification after each test I'm getting some weird results:

Slightly incorrect version of my real billing address - Address Verification : Street Address: Match -- First 5 Digits of Zip: Match


A previous home address never used for the card - Address Verification : Street Address: Match -- First 5 Digits of Zip: Match

Address of a random restaurant - Address Verification : Street Address: No Match -- First 5 Digits of Zip: Match

Am I misunderstanding how the Credit Card Authorization API works? All we want to do is verify that a credit card number matches the provided billing address but not charge a card. We're also not looking to create a customer profile if that matters. 

Thank you so much for any help you can offer!



I'm a little embarassed but I wanted to reply with the solution to this issue after more carefully reading the docs

We were able to use the avsResultCode to verify that both the street address AND the zip code match so if anyone wants to do the same thats the data you need to check against.


A list of common reasons why payments fail:

  • Your credit card limit was reached (insufficient funds)
    Check your credit limit. You might have reached your daily or total credit card limit on the day you tried to charge your card. If this is the case, ask your credit card company to increase your limit.
  • The charge exceeded the maximum amount allowed for a single charge
    Check the maximum amount your card can be charged at a single time. If the declined charge is higher than this amount, ask your credit card company to increase the limit
  • Your card reached the maximum number of charges allowed in a period:
    Check how many times your card can be charged in given time period. If you reached this amount, ask your bank to increase the limit, wait until your card can be charged again, or make a payment with a different payment method.
  • Your card doesn't accept charges from an online source
    Make sure your card allows online transactions. If it doesn't, talk to your credit card company about allowing these charges. Or use another card
  • Your card doesn't allow international transactions
    If you're making payments from abroad, make sure your card accepts international charges. If it doesn't, ask your bank to change this or use another card.
  • Your card is not authorised for transactions of the classification type MO/TO
    contact your financial institution to allow transactions of classification shagle type MO/TO (which stands for mail order/telephone order)
  • Wrong expiration date
    Review the expiration date on your credit card. If your card expired, use another card
  • Wrong credit card number
    You should get an error message indicating the card number is not valid. If not, carefully check the card number when filling out the form.
  • Billing address
    Make sure that the billing address you use for the transaction matches those that your credit card company has. Address matching is however not very likely to be the main cause of a transaction failure.