Description

The payment failed because the billing address is invalid or does not match the address on file with the card issuer. This typically occurs during Address Verification System (AVS) checks and can result from typos, outdated information, or formatting issues.

Recommended Customer Message

Your payment could not be processed because the billing address appears to be incorrect. Please verify your address matches the one registered with your bank and try again.

Root Cause

• AVS 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• Outdated billing information: The customer's card issuer may have outdated address information.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.
• Ask the customer to ensure their billing address matches what is registered with their bank or card issuer.
• 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.