The Address Verification System (AVS) verifies if a customer's billing address (postal code and the billing street address) matches the billing address on file with the card issuer. Based on the response from the issuer, Razorpay will accept or cancel the transaction. This helps in the prevention of fraud in international payments.
This is an on-demand feature. Please raise a request with our Support team to get this feature activated on your Razorpay account.
This feature works for US, UK and Canada cards only.
The advantages of using the Address Verification System are:
Extra layer of security for your customers.
Your customer's lost or stolen credit card cannot be used for fraudulent transactions as the address entered during transactions will not match the address in the card issuer's database. Razorpay will not authorise such transactions. This protects customers from credit cards frauds to an extent.
Your business has a higher chance of winning cashback disputes.
Suppose your customer's stolen or lost card is used for transactions, and the fraudulent party uses the customer's correct address. In that case, AVS cannot detect such transactions as fraudulent as there is no address mismatch. Razorpay authorises such transactions. If the customer files a chargeback dispute, you are more likely to win the dispute as the transaction passed the AVS check.
Integrate with Razorpay Standard Checkout. This feature is available for all types of Standard Checkout, including server languages SDKs, e-commerce plugins, and products such as Invoices, Payment Button, Payment Links and Payment Pages.