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Visa
Code Description
Y Address and 5-digit or 9-digit ZIP match (Domestic only).
D Address and 5-digit or 9-digit ZIP match (Only for non U.S.-issued Visa cards).
A Address matches, ZIP code does not.
S AVS not supported at this time (Domestic only).
R Issuer's authorization system is unavailable, try again later (Domestic only).
U Unable to perform address verification because either address information is unavailable or Issuer does not support AVS (Domestic only).
Z Either 5-digit or 9-digit ZIP matches, address does not or not included in request.
N Neither the ZIP nor the address matches.
W Not applicable.
X Not applicable.
B Address matches, ZIP not verified.

MasterCard
Code Description
Y Exact, all digits match, 5-digit Zip code.
A Address matches, ZIP code does not.
S AVS not supported at this time.
R Retry, system unable to process.
U No data from issuer/Authorization system.
Z 5-digit ZIP code matches, but address does not.
N Neither the ZIP nor the address matches.
W For U.S. addresses, 9-digit ZIP code matches, but address does not; for address outside of the U.S., the ZIP code matches, address does not.
X Exact, all digits match, 9-digit ZIP code.

American Express
Code Description
Y Yes, address and ZIP code are both correct.
A Address only is correct.
S AVS not supported at this time.
R System unavailable; retry
U The necessary information is not available, account number is neither U.S. nor Canadian.
Z Zip code only is correct.
N Neither the ZIP nor the address matches.

Discover
Code Description
Y Address only matches.
A Address and 5-digit ZIP code match.
S AVS not supported at this time.
R Not used by Discover.
U Retry, system unable to process.
Z 5-digit ZIP code matches, but address does not.
N Neither the ZIP nor the address matches.
W No data from issuer/authoriztion system
X Address and 9-digit ZIP code match.
T 9-digit ZIP code matches, but address does not.