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No Returns, No Exchanges,
No Refunds on:
- All Bankcard decals & stickers
- Sales charge / credit drafts
- EBT sales drafts
- All forms of imprinters (manual, electric and portable)
- All Imprinter plates
- All Imprinter ink rollers
- Any items deemed damaged and non-restock able
- On any Software purchases
- No refund on ANY Shipping, Tax & Handling Charges
Any accepted RMA -return items are subject to Restocking Fee of not less than 10% and could be higher based on manufacturers requirements.
For details see our Refund & Return Policies.
Important Shopping Information
At MerchantSource® we believe in helping our environment by recycling. We use recycled and recirculated materials as part of our packaging.
All shipping is via carrier of MerchantSource's choosing.
Orders must be placed before 2 PM EST to be shipped same day.
No orders are shipped on Holidays, Saturday or Sunday. |
Address verification can drastically reduce fraud in the credit card industry if used effectively. AVS works by including two pieces of extra information in the
transaction request sent to the card processor
- the numeric portion of the cardholder's address, excluding apartment or suite number (req. addr)
- and the ZIP code (req.ZIP)
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For example, for the following address:
1023 Broadway
Estero, FL 39029
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Information sent for verification is: |
1023 39039
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This information is compared by the card processor against database information for that customer, if all other factors (card number, expiration date of card, etc.) cause the transaction to be approved, a return code is transmitted to the hosting engine consisting of the letter Y, a six-digit authorization number, and an AVS code. AVS codes correspond to different degrees of match when the address and ZIP code information are compared against the database. (If the other factors cause the transaction to be declined, no AVS code is returned.)
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AVS codes through dial-up connection
If your connection to the card processor is through a dial-up connection, a single character AVS code returned. These are the AVS codes that a merchant may see
| AVS CODE |
DESCRIPTION
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| A |
(Address) Address matches, 5-digit
ZIP code does not match |
| E |
(Edit Error) For example, address
verification not allowed for this transaction |
| N |
(No) Address does not match, ZIP
code does not match |
| R |
(Retry) The system was unavailable
or timed out |
| U |
(Unavailable) Address verification
is not available |
| W |
(Whole ZIP) Address matches, 9-digit
ZIP code does not match |
| X |
(Exact) Address matches, 9-digit
ZIP code matches |
| Y |
(Yes) Address matches, 5-digit ZIP
code matches |
| Z |
(ZIP) Address does not match, 5-digit
ZIP code matches |
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AVS codes through lease-line connection:
If your connection to the card processor is through a lease-line connection, a 3-digit AVS code is returned. These are the AVS codes that a merchant may see.
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| AVS CODE |
DESCRIPTION
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| YYC |
Address matches, ZIP code matches |
| YNC |
Address matches, ZIP code does not
match |
| YXC |
Address matches, ZIP code comparison
not available |
| NYC |
Address does not match, ZIP code
matches |
| XYC |
Address comparison not available,
ZIP code matches |
| NNC |
Address comparison does not match,
ZIP code does not match |
| NXC |
Address does not match, ZIP code
comparison not available |
| XNC |
Address comparison not available,
ZIP code does not match |
| XXC |
Address comparisons not available,
ZIP code comparison not available |
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How critical is it for a merchant to perform AVS?
If a keyed merchant does not perform the AVS function at the time they are processing the keyed transaction, your merchant services provider or bankcard provider will consider the transaction non-qualified, whereby you, the merchant, will pay a much higher discount percentage for that keyed transaction. Performing the AVS function at the time you key in the transaction places that transaction in a mid-qualified range for your bankcard processor.
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