How to verify Billing Address in Payments API?

[jplehmann]

Looks like similar concerns over here:

CVV and AVS returning as NOT_CHECKED

We are using the PHP SDK. The form displays a field for postcode and cvv, however the return we receive is CVV_NOT_CHECKED and AVS_NOT_CHECKED. How can we force the API to check for both and not process payment if either fails?