Smart fraud detection will use IP as one of a hundred or so checks. I know of at least one service in the UK that would OK your transaction if it could match y

Smart fraud detection will use IP as one of a hundred or so checks. I know of at least one service in the UK that would OK your transaction if it could match your billing info to those US addresses through previous purchases with any of a number of different retailers. The goals the larger retailers have here are to reduce the number of manual approvals (things like phone follow ups) needed without compromising the fraud rate, not to turn down transactions, so there's a lot of competition for more intelligent detection.