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Charging the customer and then declining the order is not a solution.
If you pay a quarter each time you touch your payment processor's API, you're up to 75-cents to fulfill even the most basic order (zero-auth, auth-only, capture).
$0.025 - Zero Dollar Verification Fee
The Zero Dollar Verification fee applies to Zero Dollar Verification messages (approved and declined). Zero Dollar Verification messages include the verification of the card account number, address verification (through AVS), Card Verification Value 2 (CVV2) and Single Message System (SMS) acquired Account Verification authorizations. The Visa Misuse of Authorization Fee does not apply to these requests. The fee applies when you want to verify a cardholder's information without actually authorizing an amount of their card.
We have AVS enabled, but we get a lot of calls about customers thinking we have billed them twice and we have to explain it is an AVS mismatch, etc.
Thank you, so far most of the transaction matched on both address and zip. There were a few that only matched on one, but that is not a problem.