In the virtual terminal, risk controls, set the AVS options to require AVS approvals to exact and partial. This will tell the system you're okay with just the zip code match and approve the transaction. Here is a link to the You Tube video. https://www.youtube.com/watch?v=reBmAIeGcBM&list=PLjxvxl5kpumNxByC27KdS3tfjcSm8Fr87&index=11