Description

The payment failed because the billing address provided does not match the address on file with the card issuer. This typically occurs during Address Verification System (AVS) checks when the customer enters incorrect, outdated, or misformatted address information.

Recommended Customer Message

Your payment could not be processed because the billing address entered does not match the address on file with your bank. Please verify your billing address and try again, or use a different payment method.

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• Outdated address: The customer has recently moved but has not updated their billing address with the issuer.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.
• Ask the customer to update their billing address with their bank if it has changed recently.
• Retry the transaction after the customer corrects the address.
• Ensure the billing address is correctly formatted and passed to the payment gateway.
• Consider implementing AVS-specific error messaging at checkout for faster resolution.