Visa
                                                                                 | 
                                                                                                                                                    
                                                                                                                                        
                                                                        | R | 
                                                                                                                                                Retry. System unavailable or timed out. Issuer ordinarily performs its own AVS but is unavailable. Available for US issuers only   | 
                                                                                                                                                
                                                                            00                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | I | 
                                                                                                                                                Address information not verified.  | 
                                                                                                                                                
                                                                            40                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | U | 
                                                                                                                                                Address not verified for domestic transactions. No AVS information is available on record.  | 
                                                                                                                                                
                                                                            40                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | G | 
                                                                                                                                                Address information is not verified for international transaction | 
                                                                                                                                                
                                                                            40                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | C | 
                                                                                                                                                Street Address and postal code not verified due to incompatible formats.  | 
                                                                                                                                                
                                                                            45                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | N | 
                                                                                                                                                No match. Acquirer sent postal/ZIP code only, or street address only, or both postal code and street address  | 
                                                                                                                                                
                                                                            45                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | P | 
                                                                                                                                                Postal code match. Acquirer sent both postal code and street  address, but street address is not verified due to incompatible formats  | 
                                                                                                                                                
                                                                            47                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | Z | 
                                                                                                                                                Postal/ZIP matches, street address does not match or street  address not included in request   | 
                                                                                                                                                
                                                                            47                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | B | 
                                                                                                                                                The street addresses match; the postal code was not verified due to incompatible formats.  | 
                                                                                                                                                
                                                                            4D                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | A | 
                                                                                                                                                The street addresses match; the postal codes do not match, or the request does not include the postal code.  | 
                                                                                                                                                
                                                                            4D                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | Y | 
                                                                                                                                                Address and five digit ZIP match | 
                                                                                                                                                
                                                                            4E                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | F | 
                                                                                                                                                Street address and postal code match. (U.K.only)   | 
                                                                                                                                                
                                                                            4F                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | D | 
                                                                                                                                                Street address and postal codes match for international transaction. | 
                                                                                                                                                
                                                                            4F                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | M | 
                                                                                                                                                Street  address and postal codes match for international transaction.  | 
                                                                                                                                                
                                                                            4F                                                                         | 
                                                                    
                                                                                                                                                                                                            
                                                                                                                                                            
                                                                                    MasterCard
                                                                                 | 
                                                                                                                                                    
                                                                                                                                        
                                                                        | R | 
                                                                                                                                                Retry. System unavailable or timed out. Issuer ordinarily performs its own AVS but is unavailable. Available for US issuers only   | 
                                                                                                                                                
                                                                            00                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | U | 
                                                                                                                                                Address not verified for domestic transactions. No AVS information is available on record.  | 
                                                                                                                                                
                                                                            40                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | N | 
                                                                                                                                                No match. Acquirer sent postal/ZIP code only, or street address only, or both postal code and street address  | 
                                                                                                                                                
                                                                            45                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | Z | 
                                                                                                                                                Postal/ZIP matches, street address does not match or street  address not included in request   | 
                                                                                                                                                
                                                                            47                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | W | 
                                                                                                                                                For US addresses, nine-character numeric postal code matches, but address does not match. For address outside the US, postal codes matches but address does not  | 
                                                                                                                                                
                                                                            47                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | A | 
                                                                                                                                                The street addresses match; the postal codes do not match, or the request does not include the postal code.  | 
                                                                                                                                                
                                                                            4D                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | Y | 
                                                                                                                                                Address and five digit ZIP match | 
                                                                                                                                                
                                                                            4E                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | X | 
                                                                                                                                                For US address, nine-character numeric postal code and address match. For addresses outside the US, postal code and address match.  | 
                                                                                                                                                
                                                                            4F                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | S | 
                                                                                                                                                Service not supported.  | 
                                                                                                                                                
                                                                            80                                                                         | 
                                                                    
                                                                                                                                                                                                            
                                                                                                                                                            
                                                                                    Amex
                                                                                 | 
                                                                                                                                                    
                                                                                                                                        
                                                                        | R | 
                                                                                                                                                Retry. System unavailable or timed out. Issuer ordinarily performs its own AVS but is unavailable. Available for US issuers only   | 
                                                                                                                                                
                                                                            00                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | U | 
                                                                                                                                                Address not verified for domestic transactions. No AVS information is available on record.  | 
                                                                                                                                                
                                                                            40                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | N | 
                                                                                                                                                No match. Acquirer sent postal/ZIP code only, or street address only, or both postal code and street address  | 
                                                                                                                                                
                                                                            45                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | Z | 
                                                                                                                                                Postal/ZIP matches, street address does not match or street  address not included in request   | 
                                                                                                                                                
                                                                            47                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | A | 
                                                                                                                                                The street addresses match; the postal codes do not match, or the request does not include the postal code.  | 
                                                                                                                                                
                                                                            4D                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | Y | 
                                                                                                                                                Address and five digit ZIP match | 
                                                                                                                                                
                                                                            4E                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 5 | 
                                                                                                                                                Cardholder name incorrect, ZIP matches  | 
                                                                                                                                                
                                                                            53                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 8 | 
                                                                                                                                                Cardholder, all do not match  | 
                                                                                                                                                
                                                                            55                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 7 | 
                                                                                                                                                Cardholder name incorrect, address matches  | 
                                                                                                                                                
                                                                            5C                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 6 | 
                                                                                                                                                Cardholder name incorrect, address and ZIP match   | 
                                                                                                                                                
                                                                            5F                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 4 | 
                                                                                                                                                Cardholder name match   | 
                                                                                                                                                
                                                                            70                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 1 | 
                                                                                                                                                Cardholder name and ZIP match  | 
                                                                                                                                                
                                                                            73                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 3 | 
                                                                                                                                                Cardholder name and address match  | 
                                                                                                                                                
                                                                            7C                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | 2 | 
                                                                                                                                                Cardholder name, address, and ZIP match   | 
                                                                                                                                                
                                                                            7F                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | S | 
                                                                                                                                                Service not supported.  | 
                                                                                                                                                
                                                                            80                                                                         | 
                                                                    
                                                                                                                                                                                                            
                                                                                                                                                            
                                                                                    Discover
                                                                                 | 
                                                                                                                                                    
                                                                                                                                        
                                                                        | R | 
                                                                                                                                                Retry. System unavailable or timed out. Issuer ordinarily performs its own AVS but is unavailable. Available for US issuers only   | 
                                                                                                                                                
                                                                            00                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | I | 
                                                                                                                                                Address information not verified.  | 
                                                                                                                                                
                                                                            40                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | U | 
                                                                                                                                                Address not verified for domestic transactions. No AVS information is available on record.  | 
                                                                                                                                                
                                                                            40                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | G | 
                                                                                                                                                Address information is not verified for international transaction | 
                                                                                                                                                
                                                                            40                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | C | 
                                                                                                                                                Street Address and postal code not verified due to incompatible formats.  | 
                                                                                                                                                
                                                                            45                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | N | 
                                                                                                                                                No match. Acquirer sent postal/ZIP code only, or street address only, or both postal code and street address  | 
                                                                                                                                                
                                                                            45                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | Z | 
                                                                                                                                                Postal/ZIP matches, street address does not match or street  address not included in request   | 
                                                                                                                                                
                                                                            47                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | P | 
                                                                                                                                                Postal code match. Acquirer sent both postal code and street  address, but street address is not verified due to incompatible formats  | 
                                                                                                                                                
                                                                            47                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | B | 
                                                                                                                                                The street addresses match; the postal code was not verified due to incompatible formats.  | 
                                                                                                                                                
                                                                            4D                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | A | 
                                                                                                                                                The street addresses match; the postal codes do not match, or the request does not include the postal code.  | 
                                                                                                                                                
                                                                            4D                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | Y | 
                                                                                                                                                Address and five digit ZIP match | 
                                                                                                                                                
                                                                            4E                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | M | 
                                                                                                                                                Street  address and postal codes match for international transaction.  | 
                                                                                                                                                
                                                                            4F                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | F | 
                                                                                                                                                Street address and postal code match. (U.K.only)   | 
                                                                                                                                                
                                                                            4F                                                                         | 
                                                                    
                                                                                                                                                                                                        
                                                                        | D | 
                                                                                                                                                Street address and postal codes match for international transaction. | 
                                                                                                                                                
                                                                            4F                                                                         |