Which method verifies the cardholder's billing address during card-not-present transactions?

Which method verifies the cardholder's billing address during card-not-present transactions?

• A. CID check
• B. AVS
• C. EMV chip verification
• D. PIN verification

Answer: (B)

Address Verification System (AVS) is used in card-not-present transactions to confirm the cardholder’s billing address. It compares the street address and ZIP/postal code entered by the customer with the address on file with the card issuer. A match helps validate the transaction and reduce fraud risk, though results can vary by issuer and gateway. This differs from the other options: the CID (CVV) checks the card’s security code, not the address; EMV chip verification applies to in-person chip transactions; PIN verification is typically used at physical points of sale. So AVS is the method that verifies the billing address in card-not-present scenarios.

Address Verification System (AVS) is used in card-not-present transactions to confirm the cardholder’s billing address. It compares the street address and ZIP/postal code entered by the customer with the address on file with the card issuer. A match helps validate the transaction and reduce fraud risk, though results can vary by issuer and gateway.

This differs from the other options: the CID (CVV) checks the card’s security code, not the address; EMV chip verification applies to in-person chip transactions; PIN verification is typically used at physical points of sale. So AVS is the method that verifies the billing address in card-not-present scenarios.