I looked up AVS and it stands for "Address Verification Service".

Did the IMOM site ask for your address? (I can't recall if it does).

If it did - then for some reason the address you typed in and the one assigned to your credit cards don't match.

Does that make any sense?

Here's a quote from another site:
"AVS works by comparing the billing address (street address and ZIP Code) information supplied by the Internet shopper against information logged in the credit card issuing bank's database. The AVS code returned corresponds to different degrees of match when the address and ZIP Code information is compared against the database."

Only in the USA apparently...

Maybe Tracy can figure this one out!