I'd just give the customer the mismatch message (I forgot that you'd have to work with the API to get the AVS message back), and tell them that the address with which they are registering must be their billing address for the card. They can always change the address back.

Remember, if it is optional, then the folks who don't worry about security will get their conversions. But those of us who have thousands of dollars on the line on other businesses using that gateway wouldn't mind.....

If this is a virtual community, then it shouldn't matter that they change their address for a while. But if you are selling products that are tangible, you might give some thought to a more secure AVS feature.

Thanks,

S

beat wrote:

Potentially, the user would have to enter 3 times address:
1) For his user profile
2) For billing / invoice of the purchase
3) For the credit-card AVS

That's a lot...

So ideas welcome....

Beat,

Thanks for continuing the dialog. I'm not sure that there are many circumstances under which the invoice address and billing address would need to be different. We aren't mailing the invoice to them....

I would be thrilled with expecting #2 and #3 to be the same thing. That way you might trigger only one more point where they enter info, and it would be two fields. You don't need city and state; no cards verify by anything other than zip and the numeric value of the street address.

And it could be just that -- something that is optional for the admin to implement based on their comfort level.

S

I'm in the EXACT same situation with Authorize.net. I spoke with them at length today and found out that my per-transaction fees will go up heavily if we do not capture the billing address. My site does not capture the address for the purpose of the user's profile, so within SETTINGS --> DISPLAY --> INVOICES, I selected "Mandatory Invoicing Address". The site seems to function properly, and in fact when I have my Authorize.net gateway in TEST MODE, it works just fine (although I'd love to have the address capture page on the same page as the CVC auth. page in order to save a step)... but when I take it out of TEST MODE I get the same AVS error described in the above post. I know that in the U.S. most people who make online purchases are used to the requirement of providing their address, so I'm not worried about losing the sale. Honestly, the only reason I went with Authorize.net is because it was the only supported gateway for CBSubs (so far!), so I would really like to get this working. My site goes live as soon as this is conquered!

I changed the provided text that says something about entering your address for the invoice, to this... "We need your credit card billing address to successfully verify your payment. This address will be used only for credit card processing and will not appear on your user profile.", which I think will eliminate any confusion. So... any way that I can submit that invoice address to Authorize.net??

Thanks!

Post edited by: allofnothing, at: 2009/09/25 09:36

Virtuemart and other shopping carts have a billing and ship-to address, with a check-box that makes billing and shipping address the same. This would seem to solve the problem for physical goods sellers.

Passing the address data to Authorize.net would be good for those who have fraud settings tight on the merchant panels at Authorize.net.

What I'd like to see is that this data entry updates the profile -- my user would enter invoice address info and then his/her profile would automatically update... does this need a separate post? Thanks!