AVS returning X - but netsuite creates order anyways

I cannot believe that we are the only people with this problem, but it nobody seems to be complaining about it.

We do AVS verification on all credit card orders on our website.  Which seems to work fine for domestic (US) credit cards.  But gift cards and most foreign issued credit cards do not provide AVS into so they do not reply with "Y" or "N" for the zip code match or address match.  instead they return "X".

And netsuite seems perfectly happy with that reply and creates an order anyways.   But based on my 12+ years of running an online retail company, that is not a good policy.   Instead those should be rejected and a customizable error message should be posted.  In our case requesting the customer to use PayPal (after a note about why it was declined.)