Almost all CC stores sell cards in a format that also includes the cardholder's address.
Namely, this address must be specified when making a payment and a successful order.
But, in practice, this address may turn out to be incorrect or invalid. Since the owner could have moved to another place of residence and changed it in a banking or municipal institution. At the same time, the AVS address verification system (which only works with US cards and does not apply to Europe) will check it against its database and may refuse to pay.
What's involved on the AVS side of authentication?
When your customer enters an address during checkout and clicks Submit, the following happens:
1. Your payment gateway transmits the numeric address data to the customer's credit card brand (Visa, Mastercard, Discover or American Express)
2. The credit card brand then sends this information to the issuer
3. The issuer compares the address numbers with the numbers stored on file
4. The issuer then sends an authorization status and associated AVS response code to your payment gateway
This process takes only a few seconds and is invisible to customers.
Whatever this happens, before making a payment, it is advisable to go to free sites to find the address of the cardholder, check it and verify it with the address provided by the CC store on the following sites:
Search addresses, phone numbers, businesses & people to find information fast. Addresses.com also offers public records, background checks & email addresses.
www.addresses.com
US Search gives you access to details about the people in your life. Access public records, contact information, background checks & more.
www.ussearch.com
Find people instantly. Search for someone by their name, phone number or address. Inteilus provides phone numbers, previous addresses and background checks.
www.peoplefinder.com
Use the Address Search tool to search U.S. addresses by house number, street name, city, state or ZIP Code. View lists of matching house numbers, street names or cities based on your data input.
www.melissa.com
You can also make an enroll based on the data received (bank account) and specify any correct address you need there, you can also do this by calling banks' hot lines.
Only after checking the validity of the card with any convenient address, verifying the address of the cardholder, make payments and enjoy life.
To buy gift cards, look for fresh stores that have recently opened and carders have not yet had time to work with them. They usually lack strict policies and are happy to issue gift cards to all new customers.
Before buying, "warm up" the service, i.e.. ask silly questions in support of the store and pretend to be a respectable user.