Isn't a user required to enter their name and address information for you to be able to charge the card? Doesn't that have to match the card? No and no. There

Isn't a user required to enter their name and address information for you to be able to charge the card? Doesn't that have to match the card? No and no. There is a certain amount of basic checking of some parts of an address that can optionally be done. It's nothing like as comprehensive as you seem to be expecting, though. Your card provides name and address information. Not necessarily, at least not that the merchant can see in full. Again, just because the card issuer has such information, that doesn't mean the merchant necessarily does. If a user is somehow paying for services with cash online... doesn't that rather necessitate that they can't enroll in automatic billing? So, how does that have anything to do with the topic at hand: automatically billing against cards which are no longer valid. The point was that you don't necessarily have to know someone's identity definitively to trade with them lawfully.