| 00 | 
                                                                            AVS Error - Retry, System unavailable or Timed out | 
                                                                            A system error prevented any verification of street address or postal code. | 
                                                                        
                                                                                                                            
                                                                            | 40 | 
                                                                            Address not available (Address not verified) | 
                                                                            The card-issuing bank received the address but did not verify whether it was correct. This typically happens if the processor declines an authorization before the bank evaluates the address. | 
                                                                        
                                                                                                                            
                                                                            | 43 | 
                                                                            Street address not available (not verified), ZIP matches | 
                                                                            The card-issuing bank received the street address but did not verify whether it was correct. ZIP code matches. | 
                                                                        
                                                                                                                            
                                                                            | 44 | 
                                                                            Address failed | 
                                                                            Address verification has failed. | 
                                                                        
                                                                                                                            
                                                                            | 45 | 
                                                                            Street address and ZIP don't match | 
                                                                            Both street address and ZIP code provided do not match the information on file with the cardholder's bank. | 
                                                                        
                                                                                                                            
                                                                            | 46 | 
                                                                            Street address doesn't match, 5-digit ZIP matches | 
                                                                            Provided street address does not match the information on file with the cardholder's bank, but 5-digit ZIP code matches. | 
                                                                        
                                                                                                                            
                                                                            | 47 | 
                                                                            Street address doesn't match, 9-digit ZIP matches | 
                                                                            Provided street address does not match the information on file with the cardholder's bank, but 9-digit ZIP code matches. | 
                                                                        
                                                                                                                            
                                                                            | 4A | 
                                                                            Street address or ZIP doesn't match | 
                                                                            Street address or ZIP code provided does not match the information on file with the cardholder's bank. | 
                                                                        
                                                                                                                            
                                                                            | 4D | 
                                                                            Street address matches, ZIP does not | 
                                                                            Provided ZIP code does not match the information on file with the cardholder's bank, but street address matches. | 
                                                                        
                                                                                                                            
                                                                            | 4E | 
                                                                            Street address and 5-digit ZIP match | 
                                                                            Both street address and 5-digit ZIP code provided match the information on file with the cardholder's bank. | 
                                                                        
                                                                                                                            
                                                                            | 4F | 
                                                                            Street address and ZIP match | 
                                                                            Both street address and ZIP code provided match the information on file with the cardholder's bank. | 
                                                                        
                                                                                                                            
                                                                            | 53 | 
                                                                            Account holder name incorrect, billing postal code matches | 
                                                                            Provided account holder name does not match the information on file with the cardholder's bank, but billing postal code matches. | 
                                                                        
                                                                                                                            
                                                                            | 55 | 
                                                                            Unrecognized response | 
                                                                            Account holder name, billing address and postal code are all incorrect. | 
                                                                        
                                                                                                                            
                                                                            | 5C | 
                                                                            Account holder name incorrect, billing address matches | 
                                                                            Provided account holder name does not match the information on file with the cardholder's bank, but billing address matches. | 
                                                                        
                                                                                                                            
                                                                            | 5F | 
                                                                            Account holder name incorrect, billing address and postal code match | 
                                                                            Provided account holder name does not match the information on file with the cardholder's bank, but both billing address and postal code matches. | 
                                                                        
                                                                                                                            
                                                                            | 70 | 
                                                                            Account holder name matches | 
                                                                            Provided account holder name matches the information on file with the cardholder's bank. | 
                                                                        
                                                                                                                            
                                                                            | 73 | 
                                                                            Account holder name and billing postal code match | 
                                                                            Both account holder name and billing postal code provided match the information on file with the cardholder's bank. | 
                                                                        
                                                                                                                            
                                                                            | 7C | 
                                                                            Account holder name and billing address match | 
                                                                            Both account holder name and billing address provided match the information on file with the cardholder's bank. | 
                                                                        
                                                                                                                            
                                                                            | 7F | 
                                                                            Account holder name, billing address and postal code match | 
                                                                            All of the information provided match the information on file with the cardholder's bank. | 
                                                                        
                                                                                                                            
                                                                            | 80 | 
                                                                            AVS service not supported by issuer - Issuer doesn't participate in AVS | 
                                                                            AVS information was provided but the card-issuing bank does not participate in address verification.  | 
                                                                        
                                                                                                                            
                                                                            | C0 | 
                                                                            AVS not performed | 
                                                                            AVS verification has not been performed. |