Which response signifies no address match in the AVS system?

In the Address Verification Service (AVS) system, the response indicating that there is no match between the billing address provided by the customer and the address on file with the card issuer is represented by the letter "N." This response tells the merchant that the address provided does not match, suggesting a potential issue, such as a typo in the address or a fraudulent transaction.

The meaning of other responses in the AVS system is distinct: for instance, "Y" indicates a positive address match, while "A" signifies that the address is not available for verification, and "Z" usually denotes that the cardholder’s address is not within the United States. Understanding these codes is crucial for merchants when assessing the risk of transactions and making informed decisions about whether to proceed with processing a payment.