Payments - Enabling Relaxed Address and Expiration Date Requirements
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03/26/2026 15:26 PM
7.1
Introduction
This article explains how relaxed requirements for address data and expiration date work in Cybersource, which services and payment processors support this configuration, and which fields become optional when this setting is enabled. It also outlines the associated risks and field-level requirements for the REST API, Simple Order API (SOAPI), and SCMP API.
Address Verification Service (AVS) and expiration date validation are standard components of the credit card validation process. They help verify that the person submitting a transaction is in possession of the correct card details, and they serve as a key layer of fraud prevention.
When relaxed requirements are enabled, these fields become optional in your API requests. While this can help reduce declines caused by AVS mismatches — for example, in cases where a cardholder's billing address is formatted differently than what is on file with their issuing bank — it also means you are reducing a significant part of the card validation process. Transactions processed without these fields carry a higher risk of fraud and may be more likely to result in chargebacks.
The amount of increased risk depends largely on your location, your payment processing entity, and the cardholder's issuing bank. It is your responsibility to determine whether a field is required for the transaction you are requesting. For example, if you do not provide the correct expiration date for a recurring transaction, the authorization request may be declined by some issuers.
This feature should only be enabled after careful consideration of the security tradeoffs involved.
Requirements
To enable relaxed requirements for address data and expiration date, contact Client Services. This configuration cannot be self-enabled.
Supported Services
- Authorization
- Capture
- Stand-alone credit
- Subscription create
- Subscription update
Supported Payment Processors
- American Express Direct
- Barclays
- Chase Paymentech Solutions
- Cielo 3.0
- Comercio Latino
- Credit Mutuel-CIC
- Elavon
- Elavon Americas
- FDC Compass
- FDC Nashville Global
- FDI Australia
- FDMS South
- Getnet
- GPN
- HBoS
- Ingenico ePayments (previously Global Collect)
- Moneris
- OmniPay Direct
- Rede
- SIX
- Visa Platform Connect
- Worldpay VAP
REST API
Address Fields
| Address Field | Note |
|---|---|
orderInformation.billTo.address1 | |
orderInformation.billTo.administrativeArea | |
orderInformation.billTo.country | |
orderInformation.billTo.email | |
orderInformation.billTo.firstName | |
orderInformation.billTo.lastName | |
orderInformation.billTo.locality | |
orderInformation.billTo.postalCode | When you include this field in your request, you must also include orderInformation.billTo.country except on Chase Paymentech Solutions, FDC Compass, FDC Nashville Global, GPN, and Visa Platform Connect. |
Expiration Date Fields
| Expiration Date Field | Note |
|---|---|
paymentInformation.card.expirationMonth | When you include this field in your request, you must also include paymentInformation.card.expirationYear except on Chase Paymentech Solutions, FDC Compass, FDC Nashville Global, and GPN. You can submit an expiration date that has expired on Chase Paymentech Solutions, FDC Compass, FDC Nashville Global, GPN, and Visa Platform Connect. This exception does not apply when you combine any of the services listed above with any other service. paymentInformation.card.expirationMonth is required for payment network token transactions and subscription creation requests. |
paymentInformation.card.expirationYear | When you include this field in your request, you must also include paymentInformation.card.expirationMonth except on Chase Paymentech Solutions, FDC Compass, FDC Nashville Global, and GPN. You can submit an expiration date that has expired on Chase Paymentech Solutions, FDC Compass, FDC Nashville Global, GPN, and Visa Platform Connect. This exception does not apply when you combine any of the services listed above with any other service. paymentInformation.card.expirationYear is required for payment network token transactions and subscription creation requests. |
Simple Order API
Address Fields
| Address Field | Note |
|---|---|
billTo_city | |
billTo_country | |
billTo_email | |
billTo_firstname | |
billTo_lastname | |
billTo_postalCode | When you include this field in your request, you must also include billTo_country except on Chase Paymentech Solutions, FDC Compass, FDC Nashville Global, GPN, and Visa Platform Connect. |
billTo_state | |
billTo_street1 |
Expiration Date Fields
| Expiration Date Field | Note |
|---|---|
card_expirationMonth | When you include this field in your request, you must also include card_expirationYear except on Chase Paymentech Solutions, FDC Compass, FDC Nashville Global, and GPN. You can submit an expiration date that has expired on Chase Paymentech Solutions, FDC Compass, FDC Nashville Global, GPN, and Visa Platform Connect. This exception does not apply when you combine any of the services listed above with any other service. card_expirationMonth is required for payment network token transactions and subscription creation requests. |
card_expirationYear | When you include this field in your request, you must also include card_expirationMonth except on Chase Paymentech Solutions, FDC Compass, FDC Nashville Global, and GPN. You can submit an expiration date that has expired on Chase Paymentech Solutions, FDC Compass, FDC Nashville Global, GPN, and Visa Platform Connect. This exception does not apply when you combine any of the services listed above with any other service. card_expirationYear is required for payment network token transactions and subscription creation requests. |
SCMP API
Address Fields
| Address Field | Note |
|---|---|
bill_address1 | |
bill_city | |
bill_country | |
bill_state | |
bill_zip | When you include this field in your request, you must also include bill_country except on Chase Paymentech Solutions, FDC Compass, FDC Nashville Global, GPN, and Visa Platform Connect. |
customer_email | |
customer_firstname | |
customer_lastname |
Expiration Date Fields
| Expiration Date Field | Note |
|---|---|
customer_cc_expmo | When you include this field in your request, you must also include customer_cc_expyr except on Chase Paymentech Solutions, FDC Compass, FDC Nashville Global, and GPN. You can submit an expiration date that has expired on Chase Paymentech Solutions, FDC Compass, FDC Nashville Global, GPN, and Visa Platform Connect. This exception does not apply when you combine any of the services listed above with any other service. customer_cc_expmo is required for payment network token transactions and subscription creation requests. |
customer_cc_expyr | When you include this field in your request, you must also include customer |
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