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It's up to the merchant / intermediary party to specify how much validation they want. Yes, you can choose that only card number & expiry have to be correct, or
by waterside81 11y ago
It's up to the merchant / intermediary party to specify how much validation they want. Yes, you can choose that only card number & expiry have to be correct, or you can go the whole 9 yards and want name & address to be correct.
This isn't a Stripe-specific case. Moneris, a card processor in Canada, has a bunch of fields that a merchant can check on/off if they want them to validate the details during payment.
But you're right - if the validation isn't happening, why bother collecting the data? At the very least it might hurt conversion rates.
- bpicolo 11y agoPeople are going to feel unsafe not giving you that information but also a credit card. (Which is pretty fair...)
- goatforce5 11y agoThis is correct. A merchant can play a balancing act between having limited validations but a higher processing success rate against the chance of a higher dispute rate.