Quote:
Originally posted by tony404
I agree with you , the name and address have to match. I worked for a used mac website and we had to manually enter the info in a computer. The software he had if the name and address didnt match it didnt happen. How come everyone doesnt have that?
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I have no clue. I'm not very familiar with the merchant end of Visa.
I do know for a fact that the majority of companies that sell tangible goods online in Canada require that you either use your credit card billing address as your shipping address, or that you have your alternate shipping address registered with your CC company.
Then, the merchant calls Visa and confirms the whole address with them, as well as whether or not it's been changed in the last 90 days. If Visa says it's not a match, the customer is informed and he has to do what he needs to do to make sure it's a match. If it's not a match and the merchant ships anyways, they pay for any fraud. If Visa says it's a match and it's still fraud, Visa pays.
Personally, I'd pay an extra 5% in processing fees for a processor that did that. It's not that much work. Six transactions can be confirmed in less than 2 minutes. If it's not a match, cancel the username/password and refund the customer.