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U.S. Bank Europe DAC. Registered in Ireland – Number 418442..  Registered Office: Block F1, Cherrywood Business Park, Dublin 18, D18 W2X7, Ireland.
U.S. Bank Europe DAC, trading as Elavon Merchant Services, is regulated by the Central Bank of Ireland.
 
U.S. Bank Europe DAC. Registered in Ireland with Companies Registration Office. The liability of the member is limited. United Kingdom branch registered in England and Wales under the number BR022122.
U.S. Bank Europe DAC, trading as Elavon Merchant Services, is a credit institution authorised and regulated by the Central Bank of Ireland.  Authorised by the Prudential Regulation Authority.  Subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority.  Details about the extent of our regulation by the Prudential Regulation Authority are available from us on request.

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## AVS 

This is a list of the values returned during an authorization request in the `ssl_avs_response` field.

Authorization response messages return an AVS response code when AVS information is present in the transaction authorization request.
:::::notice{note}

Since April 2023, VISA has simplified AVS result codes by discontinuing redundant values.
:::::

| AVS Response Code | Definition |
| --- | --- |
| A | Address matches - ZIP Code does not match|
| B | Street address match, Postal code in wrong format (international issuer) Important: No longer used by Visa – expect AVS Response ‘A’. |
| C | Street address and postal code in wrong formats Important: No longer used by Visa – expect AVS Response ‘R’.|
| D | Street address and postal code match (international issuer). Important: No longer used by Visa – expect AVS Response ‘Z’. |
| E | AVS Error |
| F | Address does compare and five-digit ZIP code does compare (UK only). Important: No longer used by Visa – expect AVS Response ‘Z’. |
| G | Service not supported by non-US issuer Important: No longer used by Visa – expect AVS Response ‘R’.|
| I | Address information not verified by international issuer Important: No longer used by Visa – expect AVS Response ‘R’.|
| M | Street Address and Postal code match (international issuer). Important: No longer used by Visa – expect AVS Response ‘Z’. |
| N | No Match on Address (Street) or ZIP |
| O | No Response sent |
| P | Postal codes match, Street address not verified due to incompatible formats. Important: No longer used by Visa – expect AVS Response ‘Z’. |
| R | Retry, System unavailable or Timed out |
| S | Service not supported by issuer. Important: No longer used by Visa – expect AVS Response ‘U’. |
| U | Address information is unavailable |
| W | 9-digit ZIP matches, Address (Street) does not match. Important: No longer used by Visa – expect AVS Response ‘Z’. |
| X | Exact AVS Match. Important: No longer used by Visa – expect AVS Response ‘Z’. |
| Y | Address (Street) and 5-digit ZIP match. Important: No longer used by Visa – expect AVS Response ‘Z’. |
| Z | 5-digit ZIP matches, Address (Street) does not match |

## Credit card 

| Code | Message | Definition |
| --- | --- | --- |
| AA | APPROVAL | Approved |
| AA | APPROBAT | Approved (French) |
| AP | PARTIAL APPROVAL | Approved for a Partial Amount |
| N7 | DECLINE CVV2 | Do not honor due to CVV2 mismatch\failure |
| NC | PICK UP CARD | Pick up card |
| ND | AMOUNT ERROR | Tran Amount Error |
| ND | AMT OVER SVC LMT | Amount is more than established service limit |
| ND | APPL TYPE ERROR | Call support for help with this error |
| ND | CANNOT CONVERT | Check is ok, but cannot convert. Do Not Honor |
| ND | DECLINED | Do Not Honor |
| ND | DECLINED T4 | Do Not Honor. Failed negative check, unpaid items |
| ND | DECLINED-HELP 9999 | System Error |
| ND | DUP CHECK NBR | Duplicate Check Number |
| ND | EXPIRED CARD | Expired Card |
| ND | INCORRECT PIN | Invalid PIN |
| ND | INVALID CARD | Invalid Card |
| ND | INVALID CAVV | Invalid Cardholder Authentication Verification Value |
| ND | INVALID TERM ID | Invalid Terminal ID |
| ND | INVLD R/T NBR | Invalid Routing/Transit Number |
| ND | INVLD TERM ID 1 | Invalid Merchant Number |
| ND | INVLD TERM ID 2 | Invalid SE Number **Note:** AMEX Only |
| ND | INVLD VOID DATA | Invalid Data Submitted for Void Transaction |
| ND | MAX MONTHLY VOL | This transaction would go over the maximum monthly volume|
| ND | MICR ERROR | MICR Read Error |
| ND | MUST SETTLE MMDD | Must settle, open batch is over 7 days old **Note:** Best Practice is to settle within 24 hours. Batch will be Auto Settled after 10 days |
| ND | NETWORK ERROR | General System Error |
| ND | PLEASE RETRY | Please Retry/Reenter Transaction |
| ND | RECORD NOT FOUND | Record not on the network |
| ND | REQ. EXCEEDS BAL. | Req. exceeds balance |
| ND | SEQ ERR PLS CALL | Call support for help with this error|
| ND | SERV NOT ALLOWED | Invalid request |
| ND | TOO MANY CHECKS | Too many checks (Over Limit) |
| NR | CALL AUTH. CENTER | Refer to Issuer |
| N/A | SUCCESS | For successfully added, updated, deleted recurring or installment transactions |
| N/A | ERROR | Recurring or installment transactions could not update. |

## CVV2/CVC2

Authorization response message returns CVV2/CVC2 response codes when CVV2/CVC2 data is present in the transaction authorization request.

| CCV2/CVC2 Response Code | Definition |
|-------------------------|---------------------------------------------------|
| M | CVV2/CVC2 Match |
| N | CVV2/CVC2 No match |
| P | Not processed |
| S | Issuer indicates that the CVV2/CVC2 data should be present on the card, but the merchant has indicated that the CVV2/CVC2 data is not resent on the card |
| U | Issuer has not certified for CVV2/CVC2 or Issuer has not provided Visa with the CVV2/CVC2 encryption keys |

## Electronic gift card (EGC) 

An EGC authorization request can return the following values:

| Code | Message | Definition |
|------|---------------------|---------------------------------------------|
| AA | APPROVAL | Approved |
| ND | SERV NOT ALLOWED | Invalid request |
| ND | INVLD TERM ID 1 | Invalid Merchant Number |
| ND | SEQ ERR PLS CALL | Call support for help with this error |
| ND | APPL TYPE ERROR | Call support for help with this error |
| 01 | DECLINED-HELP 9999 | Host Busy |
| 02 | INVALID CARD | Invalid Card |
| 03 | INVALID TERM ID | Invalid Terminal ID |
| 04 | AMOUNT ERROR | Tran Amount Error |
| 05 | ALREADY ACTIVE | Card already active |
| 06 | REQ. EXCEEDS BAL. | Request exceeds balance |
| 07 | Message MAX REACHED | Definition Cannot load the amount specified |
| 08 | NON RELOADABLE | The card cannot reload |
| 09 | TRAN NOT ALLOWED | Transaction type not allowed |
| 10 | INVLD TRAN TYPE | Transaction type not on server |
| 11 | EXPIRED CARD | Expired card or bad expiration date |
| 12 | CARD NOT ACTIVE | The Gift Card is not activated |
| 13 | DUPLICATE TRAN | Duplicate transaction |
| 14 | SEQ ERR PLS CALL | Call support for help with this error |
| 15 | SEQ ERR PLS CALL | Sequence does not match previous response |
| 16 | INVALID BATCH ID | Batch ID is not on the server |
| 17 | INVALID TENDER | Tender types is not on the server |
| 99 | DECLINED-HELP 9999 | General System Error |

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