Why is it that some transactions require a billing address with a cc?

[Lean L]

Some places need a billing address when paying with a cc while most transactions just need a signiture. Why is that?

 

[Terabyte]

wut

 

[Ika]

stop posting, seriously

 

[Lean L]

stop posting, seriously

No thanks, I don't need insurance

 

[zinfamous]

this question...it is stupid.

 

[Lean L]

this question...it is stupid.

then enlighten me with the stupid answer.

 

[IronWing]

They don't need the info for the transaction. They just think you're cute and want to hook up.

 

[schneiderguy]

They don't need the info for the transaction. They just think you're cute and want to hook up.

I think you're cute :awe:

 

[IronWing]

I think you're cute :awe:

I don't want to be cute. I want to be sexy, alluring, mysterious, glamorous, you know, like Olds.

 

[guyver01]

Some places need a billing address when paying with a cc .. Why is that?

Why is that?

iamanidiot

self explanatory

 

[Spikesoldier]

because one was a point of sale purchase and a card is swiped and you sign to agree to pay per the cardholder agreement, and the other is from a computer where the card is not swiped.

 

[Lean L]

self explanatory

If you're gonna misquote, do it right, cause

you came out of an asshole not a vagina.

 

[Lean L]

because one was a point of sale purchase and a card is swiped and you sign to agree to pay per the cardholder agreement, and the other is from a computer where the card is not swiped.

that's actually why I ask. What if there was no pos device? what if the number was just written down and I sign, do they not need the address?

 

[Spikesoldier]

in the past they used carbon copies for credit cards at pos for later processing

 

[guyver01]

what if the number was just written down and I sign

your crack dealer started taking debit cards?

 

[Lean L]

your crack dealer started taking debit cards?

no, he started taking credit cards. Risky, yet that's the world for ya.

 

[Sphexi]

It's called AVS, Address Verification System.

For non face-to-face transactions (ecommerce mostly), they want to verify that the address you enter matches what your bank has. It looks at your postal/zip code and the numerical portion (street number) of your address. If it matches and the company ships to this address, it helps them dispute any chargebacks later, by showing they shipped to a bank authorized address. Some places won't allow shipping to an alternate address for this reason, if they get a chargeback it's hard to prove it wasn't fraud.

 

[Newbian]

Your screen name works so well for this.

 

[Lean L]

It's called AVS, Address Verification System.

For non face-to-face transactions (ecommerce mostly), they want to verify that the address you enter matches what your bank has. It looks at your postal/zip code and the numerical portion (street number) of your address. If it matches and the company ships to this address, it helps them dispute any chargebacks later, by showing they shipped to a bank authorized address. Some places won't allow shipping to an alternate address for this reason, if they get a chargeback it's hard to prove it wasn't fraud.

I see, so it's one or the other? what if it's like what I said, they took the number and got my sig but did not swipe. They don't use AVS in that case? Thanks

 

[Lean L]

Your screen name works so well for this.

Get in line drone.

 

[Sphexi]

I see, so it's one or the other? what if it's like what I said, they took the number and got my sig but did not swipe. They don't use AVS in that case? Thanks

AVS is most used for ecommerce, in which there is no swipe. The track data on the magnetic strip has a lot of information on it, and helps to prove that the card was physically in the store. Without it the merchant has to prove this was legit by relying on AVS matching, the 3-digit security code matching, or using something like Verified by Visa or Mastercard SecureCode (newer online programs).

If they have your signature that's usually fine, AVS doesn't really matter then, as you had to physically be there to sign it.