AVSRules XML file

Determines the response when AVS scores 0 to 4 are received for credit card payment methods.

This file is located in the following directory:

• workspace_dir/WC/xml/config/payments/edp/groups/default/paymentConfiguration_name

• (Developer) workspace_dir/wc/xml/config/payments/edp/groups/default/paymentConfiguration_name

The paymentConfiguration_name is defined in PaymentMethodConfigurations.xml file

The ScoreRule element maps the payment plug-in responses for AVS scores, as per the payment plug-in specification. The response values can be changed if the defaults (as shown) are not compatible with merchant policies for AVS. Example

<ScoreRules xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance>
  xsi:noNamespaceSchemaLocation="com/ibm/commerce/edp/parsers/ScoreAndResponseRules.xsd">
  <ScoreRule from="0" to="0" response="Pass" description="AVS Complete Match" ruleType="AVS" />
  <ScoreRule from="1" to="1" response="Pass" description="AVS Street Address Match" ruleType="AVS" />
  <ScoreRule from="2" to="2" response="AttentionRequired" description="AVS Postal code Match" ruleType="AVS" />
  <ScoreRule from="3" to="3" response="Reject" description="AVS No Match" ruleType="AVS" />
  <ScoreRule from="4" to="4" response="AttentionRequired" description="AVS Other Response" ruleType="AVS" />
</EDPGlobalConfigs>

response

Specifies what the payment rules response should be when that particular AVS score is received. This attribute is the only configurable part of this file. Type Pass, AttentionRequired, or Reject as appropriate.

0

Both street address and zip code match.

1

Street address matches, but zip code does not.

2

Zip code matches, but street address does not.

3

Neither street address nor zip code match.

4

AVS result not available.

• Address Verification Service (AVS)
  The Address Verification Service (AVS) is a credit card fraud prevention system developed to assist merchants by verifying the address of American customers. By submitting the credit card billing address and the corresponding ZIP code with the authorization request, payment processing systems which use AVS can compare existing records with the order. If the billing address and the ZIP code in the card issuer's records matches the billing address and the ZIP code submitted, a degree of certainty is created for the merchant that the person using the card for the order is who they claim to be. Ideally, this reduces the number of customer disputes and charge backs for the merchant, especially since it could prove difficult to reacquire shipped merchandise.