Their AVS formatting requirements appear to differ based on processor and ``|`` is used only for Paymentech and Moneris. Also in that case they say ``streetaddress|zipcode`` so, perhaps, this should read ``[:address1, :zip]`` then?

https://hostedcheckout.zendesk.com/entries/242006-Address-Verification-System-AVS-
https://hostedcheckout.zendesk.com/entries/235981-how-do-i-do-avs-formatting-if-i-use-chase-paymentech-or-moneris-as-a-processor