Can PayJunction charge a credit card even if AVS doesn't match?

Yes, you can still accept a transaction even if your security settings have declined a transaction due to an AVS mismatch (so long as the transaction has not settled yet).

An Address Verification Mismatch is a fraud screening indicator; if you override and force a transaction through that was originally declined due to a mismatch, you are assuming all responsibility and risk associated with that transaction.

Step-By-Step Instructions

You may override your security settings on a per transaction basis either at the time of the transaction, or editing the transaction details prior to the transaction settling.

To override your security settings at the time of the transaction:

  1. Click the Process button on the left of the page.
  2. Fill out the transaction form, and click the green Process button at the bottom.
  3. If the transaction is declined due to an AVS mismatch, you will be prompted with an option to override the decline: 
    AVS_trust.png
  4. If you trust the customer then click "I Trust This Customer" - the transaction will go through without the AVS security check.
  5. If you don't trust the customer then click "I Don't Trust Customer - Update & Retry," proceed to gather a new card from the customer to try again.

Note, if you are not allowed to override the security settings, the option to override will not be present.

To override your security settings after the transaction has been processed and prior to settlement time:

  1. Click Recent to view the recent transactions.
    recent.png
  2. Locate the transaction that was recently declined for AVS denoted by the red circle with a line through it and the words declined.
    red_circle.png
  3. Rollover the red circle with the line through it to get the bank response for that decline.
    AVS_rollover_circle.png
  4. Then rollover the eyeball  in the left hand column and then click View Transaction.
    view.png
  5. Click Approve this transaction at the top of the screen in the red box.
    approve.png
  6. If you are not allowed to override the security settings, this option will not be present.

For more information on permanently adjusting your Address Verification System settings, see AVS Settings.

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