BIN and AVS: How to Bypass Address Verification in the US and Europe

[Good Carder]

From a carder to carders. You've selected the perfect BIN, the card is valid, non-3DS, and the bank is reputable. But the payment still fails with an avs_failure or zip_code_mismatch error. Why? Because you forgot about the AVS — Address Verification System. In the US, AVS is the main barrier after BIN filtering. In Europe, it's less common, but still present. If you don't know how to bypass AVS, you're missing out on 30-50% of potentially successful cards.

In this article, I'll discuss how AVS works in the US and Europe, what types of responses the system returns, how to select a ZIP code to bypass, how to use Fullz for an exact match, and how to employ the "AVS override" technique by substituting billing information.

Part 1: What is AVS and Why is it Killing Your Payments?​

AVS (Address Verification System) is an address verification system used by payment gateways (Stripe, Braintree, Adyen) to verify the billing address you enter with the address stored by the issuing bank. AVS compares:

• The digital part of the address (house number).
• ZIP code (postal code).

Name, city, and state are not verified. Only house number and ZIP code.

AVS response types (codes):

Code	Meaning	Verdict
AND	Full match (address and ZIP)	The payment goes through, the risk is low
A	The address matches, but the ZIP doesn't match.	Medium risk, may pass
WITH	ZIP matches, address doesn't match	Medium risk, may pass
N	Neither the address nor the ZIP match.	High risk, often blocked
IN	AVS not supported (non-US card)	Depends on the merchant
G	Non-US issuer, but AVS is not supported	Analogous U

In the US, most merchants require at least A or Z. Many require Y. If you receive N, your payment is almost guaranteed to drop.

In Europe, AVS is less common, as the focus is on 3DS. However, some European merchants (especially those accepting US cards) may use AVS.

Part 2: How to find a ZIP code to bypass AVS​

2.1 Using Fullz​

The most reliable way is to purchase Fullz (a complete data package), which includes the cardholder's exact address and ZIP code. Fullz costs $30–$80. It pays for itself in 2–3 successful payments.

Where to get Fullz:

• Darknet markets (Torzon, Kraken DNM).
• Closed Telegram channels.
• Forum sellers with a reputation.

When entering an address, use an exact match: house number, street, city, state, ZIP. Do not round or abbreviate.

2.2. If Fullz isn't available: ZIP search by BIN​

If you only have the tracking number (card number + CVV), you can try to find the ZIP code, which is often accepted.

Method:

• Use the ZIP code that corresponds to the issuing bank's region (identified by the BIN). For example, Chase Bank (BIN 414720) is headquartered in New York City (ZIP 10001). Banks often don't check the exact address, only the city or region.
• Use popular ZIP codes: 90210 (Beverly Hills), 10001 (New York), 60601 (Chicago), 77001 (Houston). Some merchants accept these as placeholders.

Statistics: In 30% of cases, Stripe accepts payments with the ZIP code of the city where the bank is located, even if the address does not match.

2.3. AVS Override Technique​

Some merchants use weak AVS verification. They send a request to the bank but don't block the transaction if there's a mismatch, merely increasing the risk score. If other parameters (IP, fingerprint, history) are good, the payment may go through even with N.

How to use:

• Make sure the proxy is clean, the profile is warmed up, and the amount is small.
• Use a ZIP that is at least close to the actual card region.
• Do not use this method for large amounts (>$500).

Part 3. AVS in Europe and Other Regions​

3.1. Europe​

AVS rarely works for European cards, as banks rely on 3DS. However, if you use a US card on a European website, AVS may work.

Features:

• European websites often accept US cards with any ZIP because they don't know how to check.
• Some gateways (eg Adyen) disable AVS by default for non-US cards.

Recommendation: When entering a US card on a European website, use any 5-digit ZIP code (e.g., 90210). In most cases, verification will not occur.

3.2. Canada, Australia​

Similar to the US: AVS checks the postal code (6 characters in Canada, 4 in Australia). Use Fullz or select a ZIP code based on the bank's region.

3.3. Japan, China, and other countries​

AVS is practically never used. Payment systems rely on 3DS and other authentication methods. If you're using a US card, enter any ZIP code — the system will ignore it.

Part 4. Tools for checking AVS before carding​

4.1. Stripe AVS Checker (via API)​

You can test how the gateway reacts to your ZIP using a test transaction of $0.50.

import stripe
stripe.api_key = "sk_live_..."

def check_avs(card_number, exp_month, exp_year, cvc, zip_code):
try:
payment_method = stripe.PaymentMethod.create(
type="card",
card={
"number": card_number,
"exp_month": exp_month,
"exp_year": exp_year,
"cvc": cvc,
},
)
intent = stripe.PaymentIntent.create(
amount=50,
currency="usd",
payment_method=payment_method.id,
confirm=True,
payment_method_options={
"card": {
"avs": {"address_zip": zip_code}
}
}
)
print(f"AVS result: {intent.charges.data[0].payment_method_details.card.checks.address_zip_check}")
except stripe.error.CardError as e:
print(f"Declined: {e.error.code}")

The answer "pass" or "unavailable" is good. "fail" is bad.

4.2. AVS testers on the darknet​

There are paid services that check AVS without performing a full transaction. Price: $0.10–$0.50 per check.

Part 5. Mistakes when working with AVS​

Mistake 1. Entering an address that doesn't match the card region.
If the BIN points to New York, and you enter ZIP 90210 (California), AVS will return N. Use the bank's region ZIP.

Mistake 2. Ignoring AVS when using Fullz.
Even with Fullz, you can make an error when entering an address (for example, mix up the house number). Check it.

Mistake 3. Not checking AVS before making a large hit.
Make a micro-check of $0.50–$1 to ensure AVS is successful.

Summary​

AVS isn't a death sentence. Use Fullz for an exact match, select a ZIP based on the bank's region, and use the "AVS override" technique on loyal merchants. In Europe, AVS is often ignored, but be careful with US cards. Always verify AVS with a micro-check before large transactions.

A quick one-line reminder:
"AVS in the US checks the house number and ZIP. Fullz gives a 100% pass rate. If not, use the bank's region ZIP (Chase = 10001). A micro-check will show whether AVS passes. In Europe, AVS is often ignored — enter any ZIP. Don't neglect verification — AVS accounts for 50% of rejections."