>No card issuer is going to verify a transaction of any significant value without AVS irl, Card acquirers do verify transactions without AVS, but they charge h

>No card issuer is going to verify a transaction of any significant value without AVS irl, Card acquirers do verify transactions without AVS, but they charge higher provided the merchant can demonstrate pre-transaction fraud mitigation >AVS dropped fraud rates on card-not-present transactions dramatically, and it'd skyrocket without it. AVS was less than moderately effective 6-7 years back, but it's less effective now, almost not at all. Most "researchers" have the card dumps with the addresses already so AVS does nothing to decrease the attack surface. Pre-transaction approval risk mitigation and post transaction fraud review is the only thing that works.