Can payment-card issuers decline a transaction when the merchant does not provide billing-address information?
Payments
Asked by Question Bot06/May/20141 answer
1 Answer
F
Faisal Khan
Answered 06/May/2014
Difficult to answer with a simple yes or no. It depends. To accept a CNP transaction, the merchant needs the card number, expiration date at the very minimum. Name, CVV, etc. are optionals.
AVS is an added check. However, the problem with AVS is that for many countries, AVS information is simply not offered. Thus if a US processor is processing a payment with say a VISA card from Kenya or Vietnam, you could write 123 Monkey Street and the transaction will go thru, because of the fact that AVS check cannot be performed for these countries.
It depends on the system that your merchant processor is providing to you. If it has the ability to block or decline transactions where the AVS is not offered. In such a system, you could ideally by-pass the AVS check all together and process the transaction.
AVS is an added check. However, the problem with AVS is that for many countries, AVS information is simply not offered. Thus if a US processor is processing a payment with say a VISA card from Kenya or Vietnam, you could write 123 Monkey Street and the transaction will go thru, because of the fact that AVS check cannot be performed for these countries.
It depends on the system that your merchant processor is providing to you. If it has the ability to block or decline transactions where the AVS is not offered. In such a system, you could ideally by-pass the AVS check all together and process the transaction.