Banks often approve transactions where the billing address doesn't match - this is because the financial burden of the fraud is borne by the merchant. But the

Banks often approve transactions where the billing address doesn't match - this is because the financial burden of the fraud is borne by the merchant. But the response does indicate whether the numeric portion of the street address matched and whether the zip matched. The merchant can choose to reject the order based on this information. In our case, we accept the order if either matches. Many merchants also are looking at the IP location from which the order was placed. Depending on the country it may raise enough red flags to reject the order.