Merchants should get a warning when either the zip code or the address number does not match with the AVS service. This message should happen on any phone order or manual transaction prior to completing the sale. The merchant should then have the opportunity to either accept or decline the transaction (void) because of the possibility of fraud. As it is now in Clover, the merchant may not catch the fact the AVS failed especially since it does not print on the receipt. As long as the option "Skip receipt screen & begin next transaction" is not checked, you will see the result of the AVS verification on the screen that allows you to text or email a receipt to the customer.

IMPORTANT NOTE: In the case of fraud (stolen card number) the merchant will lose the charge back and be out the money and possibly the product they shipped or gave to the fraudster. Since all other counter-top terminals have the ability to warn the merchant of an AVS mismatch why not Clover?!?