Root Cause

• AVS (Address Verification System) mismatch: The address entered by your customer does not match the address on file with their bank or card provider.

• Typographical errors: Mistakes in street address, postal code, or country fields.

• Outdated billing information: The customer's card issuer may have outdated address information.

• Formatting inconsistencies: The address was not submitted in a format accepted by the payment processor or gateway.

Troubleshooting and Solutions

• Inform the customer that their billing address appears to be incorrect.

• Ask the customer to:

  • Double-check the address details entered at checkout.

  • Ensure their billing address matches what is registered with their bank or card issuer.

• Internally:

  • Validate that your integration passes the address fields correctly to the gateway.

  • Provide field-level guidance or formatting tips in the checkout UI to minimize errors.