2 ms·

What you're saying makes no sense. If someone uses a stolen credit card with a working address then the AVS has done nothing to mitigate the fraud, if they use

What you're saying makes no sense. If someone uses a stolen credit card with a working address then the AVS has done nothing to mitigate the fraud, if they use a non-working address then it bounces up-stream and the AVS has done nothing, and if there is no fraud then the AVS has done nothing... So explain to me exactly what the AVS's point is? And how it saves companies money? Isn't it up to the bank to decide what is and is not a valid address for usage with the card? All you're doing is hitting real customers (including international ones).

eksith 14y ago
You need to read up on what AVS actually does : http://en.wikipedia.org/wiki/Address_Verification_System http://en.wikipedia.org/wiki/Address_Verification_System AVS doesn't work all that well outside the U.S. (Amex declines it outright) And services that do work outside are often value added (read: expensive) and for businesses that primarily cater to U.S. customers, isn't worth the price. AVS isn't just a "bank service". It's only available to merchants that use a gateway that supports it (same for CVV/2) : https://support.mivamerchant.com/supportsuite/index.php?/Knowledgebase/Article/View/223/13/payment-gateways-that-support-avs-cvv2-and-electronic-checkdebit-payment-methods https://support.mivamerchant.com/supportsuite/index.php?/Kno... And of those gateways, some don't support AVS outside mainland U.S. or only partially. Those businesses aren't "losing money" by not catering to you. On the contrary, they're saving quite a bit by focusing on local customers.
robryan 14y ago
If your shipping a physical good then it works well, different billing and shipping address can be a red flag. Depending on where the billing address is then it can be easy to stop fraud. If the causes us to miss out on a few sales it is small price to pay compared to getting hit with chargebacks. Also AVS works fine in the UK as well as the US.

eksith 14y ago

You need to read up on what AVS actually does : http://en.wikipedia.org/wiki/Address_Verification_System http://en.wikipedia.org/wiki/Address_Verification_System AVS doesn't work all that well outside the U.S. (Amex declines it outright) And services that do work outside are often value added (read: expensive) and for businesses that primarily cater to U.S. customers, isn't worth the price. AVS isn't just a "bank service". It's only available to merchants that use a gateway that supports it (same for CVV/2) : https://support.mivamerchant.com/supportsuite/index.php?/Knowledgebase/Article/View/223/13/payment-gateways-that-support-avs-cvv2-and-electronic-checkdebit-payment-methods https://support.mivamerchant.com/supportsuite/index.php?/Kno... And of those gateways, some don't support AVS outside mainland U.S. or only partially. Those businesses aren't "losing money" by not catering to you. On the contrary, they're saving quite a bit by focusing on local customers.

robryan 14y ago

If your shipping a physical good then it works well, different billing and shipping address can be a red flag. Depending on where the billing address is then it can be easy to stop fraud. If the causes us to miss out on a few sales it is small price to pay compared to getting hit with chargebacks. Also AVS works fine in the UK as well as the US.