Root Cause

• Incorrect billing address: The address entered by the customer does not match the one registered with their bank.

• Typographical errors: Mistakes in street, ZIP/postal code, or country entries.

• Outdated address: The customer has recently moved but has not updated their billing address with the issuer.

• International formatting issues: Differences in address structure and formatting between regions or countries.

Troubleshooting and Solutions

• Inform the customer that their billing address does not match the one on file with their card issuer.

• Ask the customer to:

  • Double-check their address details for accuracy.

  • Update their billing address with their bank if it has changed recently.

  • Retry the transaction after correcting the address.

• Internally:

  • Ensure the billing address is correctly formatted and passed to the payment gateway.

  • Consider implementing AVS-specific error messaging at checkout for faster resolution.