We want to process payments from buyers to sellers with us being a 3rd party on our website. The Payments API seems to achieve this and even allow us to take a small fee.
However, it is very important to our sellers to make sure that there is a match between payment/billing address and the shipping address. It looks like Square won’t tell us the address associated with the card, however we can ask the customer for their billing address and pass this into the Create Payment API.
What happens then if we provide that address? Does Square compare the full address or the zip code only against the one associated with the payment – and then give some kind of error if they do not match? This way we can know that the Customer gave us a legit address, and we can pass that along to the seller and they can decide if it’s close enough to the shipping address for their comfort?
- We saw ADDRESS_VERIFICATION_FAILURE - The card issuer declined the request because the postal code is invalid. - does it mean it doesn’t match? or just is bogus?
- We also saw this post about VERIFY_AVS_FAILURE, so is that what would occur?
- We saw risk level comes back in the response, but it is very vague and would prefer to know specifically about the address.
Also, is there any benefit if we pass in the shipping address also to the API?
Thanks for helping us to understand how we can use this API safely.