The Square Best Practices for accepting Card Payment say:
Ask a customer to provide the card number, the name on the card, billing address, expiration date, and CVV code on the back of the card.
What is the reason for capturing the customer’s billing address? Is there value in passing it to Square, or is it just for the merchant to verify that the zip matches what is on the card?
When charging a customer card, does square use the customer’s stored address to provide additional verification? If no, if billing_address is passed on the Create Payment request, is that used to provide additional verification? Is more than just the zip code used in this verification?
What fields should a merchant store on the Customer or pass in the Create payment API call if they want to have maximum fraud protection / verification of the card?
Does “Strong Customer Authentication” work or provide any value in the US, or is it just for EU use?
Thanks in advance for your answers.