The address part is AVS[0] - where the digits from the address are verified against the card. Merchants can opt out of AVS in exchange for higher merchant fees

The address part is AVS[0] - where the digits from the address are verified against the card. Merchants can opt out of AVS in exchange for higher merchant fees. They can get a merchant deal where they don't require the CVV - Amazon does this[1] Hotels do this because of international travelers and because most credit card transactions end up becoming card present transactions since you show up to the hotel and tap/swipe your card [0] https://en.wikipedia.org/wiki/Address_Verification_System https://en.wikipedia.org/wiki/Address_Verification_System [1] https://security.stackexchange.com/questions/21168/how-does-amazon-bill-me-without-the-cvc-cvv-cvv2 https://security.stackexchange.com/questions/21168/how-does-...