Correcting Authorize.net Non-AVS "Bill To:" Failures

If transactions are failing on your Authorize.net gateway with failure messages referring to "Bill To:" mismatches AND the AVS settings are disabled, your gateway settings may be configured to require certain fields on the transaction submission form and/or a setting may not be correct for the integration with our software.

Be aware that different software applications may require different gateway settings, which may prevent a single gateway from successfully processing transactions on different applications simultaneously. If your gateway is being used for another web application, you need to disable it for the duration of your event (or contact your Auth.net account rep for assistance.

A.  Managing Settings in "New Authorize.net View:

Authorize.net is rolling out a major overhaul of their website. If the images below do not match your view - scroll down to view instructions illustrated on Auth.net's retiring layout.

1a.  Login to Your Authorize.net Account:

Go to:  Account > Account and API Settings > Card Testing Settings AND Transaction Settings > Configure.

2a.  Configure Advanced Fraud Detection Settings:

Go to: Account > Account and API Settings > Transactions Settings > Configure.

Set Address Verification Setting (AVS) Filters to "Process as normal":

To adjust settings to allow transactions with incomplete info or info that does not match the card billing address:

  1. On the Enhanced Address Verification Service (AVS) Handling Filter screen: Go to the General AVS Responses section.
  2. Use the dropdown menus under “What should happen if a transaction triggers this filter?” to change all settings to “Process as normal.”
  3. Click Save to apply your changes.

3a.  Configure Accept Payment Form Fields:

 If "Bill To:" failure messages occur during initial transactions, make sure the Basic AND Advanced Settings Payment Form fields are NOT Required (except for the greyed out "Authorize and Capture" field shown below)

B.  Managing Settings in "Retiring" Authorize.net View:

1b.  Login to Your Authorize.net Account:

Go to Account > Settings. You’ll need to review the following three settings pages:

  1. Enhanced Address Verification Service
  2. Payment Form
  3. Direct Response

2b.  Set Address Verification Service (AVS) Settings:

Go to: Account > Settings > Security Settings > Enhanced Address Verification System > 

To adjust Fraud Detection Filters to allow transactions with incomplete info or info that doesn’t match the card billing address, under the General AVS Responses and Address and ZIP Code Responses fields, select Allow, click the Save button to apply your changes.

3b.   If "Bill To:" Failure Messages Occur During Initial Transactions:

Go to: Account > Settings > Transaction Format Settings > Payment Forms > Form Fields

On the Payment Form Fields screen, adjust the settings to remove any fields flagged as “Required,” then submit your changes.

4b.  If Bill To:  Failure Messages Occur During Refunds or Transactions on Stored Cards:

Go to: Account > Settings > Transaction Format Settings > Direct Response

The Default Field Separator MUST be set to ".(comma)". Use the dropdown menu to adjust the setting and Submit.