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Why bother? If everything matches up you are covered financially.
No he/she isn't. Note for a start that they have been asked to ship to a non-cardholder address.
I can see you either don't process payments or haven't processed them for very long.
I have had chargebacks where everything matches up - and I shipped to the billing address of the cardholder.
Why would I want to pay for shipping and ship it again? Wrapping is a good reason, but often not good enough to pay for shipping twice.
Did the AVS come back OK? Often a white pages lookup may give you what you need to know. Or attempt to call the cardholder, I don't know why they wouldn't give their legitimate number. If it's not the same number, definite red flag.
You may have a bad merchant account provider. That makes it a problem if you won't switch, not a problem for everyone.
We're talking about a bank that thinks £1.5 billion UK pounds is pocket money (about $2.5 billion US). A bank of that size has to operate squarely within Visa and Mastercard's rules.
The chargeback still happened.
Sounds like you are shipping internationally from the UK to the US?
No. UK to UK.
AVS matching does not protect you at all.
I give an example:
Real address is 10 Somewhere Street, London, W1 1AA
Frauster uses the address 10 Other Street, Edinburgh, E1 1ZZ
In the US:
Real address is 101 Long Street, Beverly Hills, 90210
Frauster uses 101 Short Avenue, Beverly Hills, 90210
Both of these AVS results match in full. This is because AVS only matches the numbers, not the letters in the address and you can see the numbers are the same, the addresses are different.
This is why they don't protect you on AVS matching.
This is why they don't protect you on AVS matching
They do in the US, as long as the different shipping address is noted on the charge you are protected, someone still has to sign for it however. The billing address matches AVS the shipping address does not match anything.
You only have to show your processing receipt that says exact match to be covered. They don't get into why or why not it was an exact match since you are just submitting a legal type document and don't have anyway of knowing that it is not matching. Analyzing why the system is or is not matching is an internal bank problem which I can't imagine them asking a merchant about.
If they do in fact use the excuse of the number matching but not the street then you right, there is no way of really protecting yourself other then going out on your own and calling or using other investigative methods.
I think Tonearm is in the US though since the post mentions city and states, but still insists on calling the customer when there is a AVS match.
If they do in fact use the excuse of the number matching but not the street then you right, ...
"AVS verifies the numeric portions of a cardholder's billing address. For example, if your address is 101 Main Street, Highland, CA 92346, AVS will check 101 and 92346."