Address Verification System

Use Razorpay's Address Verification System (AVS) to identify and reduce the risk of fraud in international payments.

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.

Feature Request

  • This is an on-demand feature. Please raise a request with our to get this feature activated on your Razorpay account.
  • Watch this video to know how to raise a feature enablement request on the Razorpay Dashboard.
Feature Request GIF

Handy Tips

This feature works for US, UK and Canada cards only.

Suppose an international customer, John Doe, uses a Wells Fargo credit card to make an online purchase on your website with the following address:

1304 Main Street, Anytown, Illinois, 60473

The AVS will compare the numbers 1304 and/or 60473 with the address on file with Wells Fargo.

If the match is successful, Razorpay authorises the transaction. In case of a mismatch, Razorpay declines the transaction.

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.

  • 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.

  • Enable

    for your Razorpay account.

Watch this video to see how your customers can add their card and address details on the checkout pop-up page for address verification.

  1. The customer selects card as the payment method and enters the credit card details.
    Custom enters credit card details
  2. The customer is asked to enter their billing address. This is a one-time activity and Razorpay will save the address securely. Customer will not be asked to provide the address on repeat transactions.
    Custom enters address details
  3. The Address Verification System matches both addresses. There can be three types of matches:
    • Complete Match: The address provided by the customer matches exactly with the address available with the card issuer.
    • Partial Match: This indicates that the billing address being compared has the same ZIP code or the same numeric values in the street address, but not both.
    • No Match: A no match response indicates that neither part of the billing address matches the card issuer data. This can act as a strong signal of potential fraud.
  4. Based on the match, Razorpay takes the following actions:
    • Authorise the transaction: The transaction is authorised, and the credit card is debited.
    • Cancel the transaction: The transaction is declined.

Given below is an diagram of the workflow:

AVS Workflow

List of frequently asked questions:

No, if you use Razorpay Standard Checkout, you do not need to make any change to your integration. This feature will work out-of-the-box once it is enabled for your account.

No, this feature is available only for international payments.

Yes, your customer will be able to complete the payment even in the case of a partial match.

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