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This is not universally true. All of the US cards I’ve used on non-US websites, probably multiple times a week in multiple European countries for years now, hav
by vinay427 3y ago
This is not universally true. All of the US cards I’ve used on non-US websites, probably multiple times a week in multiple European countries for years now, have worked either without a billing address (if the website doesn’t support it) or sometimes even with an incorrect billing address, such as a non-US address for US card. Most websites in western European countries seem to support it so this usually doesn’t come up but I’ve never had a problem at least with my current cards when it does.
The only time I did have a problem is when no foreign card was accepted by the payment processor, not due to verification issues.
- zinekeller 3y agoI think that that both of you have good points, but missed some nuance. Most US-to-US transactions verify cards using the ZIP code (in this context, called AVS or the address verification system) and the card number. Most retailers do verify if the CVC and expiration date are also correct, but international retailers might be surprised that you can enter 12/99 and 000 and still pass due to this oddity (https://support.stripe.com/questions/charge-succeeded-despite-cvc-or-zip-check-mismatch https://support.stripe.com/questions/charge-succeeded-despit...). This is also the reason why US cards are favored by criminals (because the security in them are, to be frank, insufficient). In contrast, European retailers do use the expiry date and CVC to verify the card, and some even take this further with 3DS verification (regardless of the origin of the card). In practice, using a US card in Europe does not really cause problems except a) when the retailer only accepts locally-issued cards (or EU cards only as may be the case), b) when your bank does not support 3DS, or c) you did not set a PIN code / retrieve your PIN code from your bank.