#eugenewhite_22672
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- eugenewhite_22672, 16 hours ago, 9 messages
rugged dome
the details like that might not be checked until the card is actually charged.
when saving the card it's not guaranteed we will contact the bank to validate this sort of information. So the decline for things like that will happen later, when you charge the card with a PaymentIntent later.
gray atlas
I am trying to check user's address with his/her card info without any payments
rugged dome
makes sense. Isn't really possible though
gray atlas
Actually, there is a real-world app that uses this scenario
the scenario is in this way - user inputs his/her address and then we verify if the property really belongs to him/her, for this, we are going to use Stripe AVS
It is not for payment but for address verification
rugged dome
I don't think the AVS check on a credit card is the right avenue at all for something like that. It's just a small component of how card charges are authorised and not really a platform you would build on top of for generic identity/address verification purposes.
I'd suggest integrating with an actual verification service instead that looks up government records or that sort of thing
gray atlas
@rugged dome Thanks for your suggestion
rugged dome
Stripe has a specific service (https://stripe.com/docs/identity/verification-checks?type=address) for that for instance (note this is an entirely different product than our payment processing solutions) and other companies offer such things
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gray atlas
Hi, @glass fern I am a beginner software developer and I have an issue with my internship project
In our project, we are going to use Stripe API to verify users address
yesterday, @synthrider said it is possible and gave me this advice -
Hi there, it sounds like you're talking about Address Verification:
https://stripe.com/docs/disputes/prevention/verification#avs-check
You can achieve this for postal code checks using the Payment Element (which collects postal code automatically when relevant): https://stripe.com/docs/payments/accept-a-payment?platform=web&ui=elements
For the line1 check, you'd need to collect a billing address to associate with the payment, either using your own UI or using the Address Element in billing mode:
https://stripe.com/docs/elements/address-element?platform=web#create-an-address-element
Eugene White — Yesterday at 7:40 PM
@synthrider Thanks for your reply, I have already seen that doc, the purpose is not to make payments, just to get result of matched or unmatched,
synthrider — Yesterday at 7:43 PM
You can do the same thing with Payment Element using a Setup Intent to collect card details without payment:
https://stripe.com/docs/payments/save-and-reuse
We also have test cards to trigger various AVS errors:
https://stripe.com/docs/testing#fraud-prevention
There's a postal code card and a line1 test card
I followed his advice and made much progress
but had a tiny issue
rugged dome
please don't just repeat yourself when we already had a thread together.
the AVS check is useful for checking an address for the purposes of authorising a payment and preventing fraud, which is what Synthrider was describing
but it's limited(it only works in a couple of countries in the world, it depends on how the customer has their address registered with their bank[0], and it can only be checked consistently when you're actually charging a card, not standalone)
[0] for example, for a long time for me personally, at my bank the address I have is my parent's old house and not where I live since I never changed it after moving many times, so checking against that is not actually useful, and many people are like that
so for the use case you describe(generic address verification to see if someone "owns a certain property") the AVS check is definitely not the right thing to build on, it's super limited and not intended for that. The best solution would be to use an actual address verification service/company/API. Using the AVS check on cards is not the right tool to apply to this problem.
Does that help @gray atlas ?
gray atlas
Make sense, thanks @rugged dome
this is a real-world app that uses Stripe address check based on card info
rugged dome
sure, and in my opinion that is not a great approach for the reasons described, so it's not something I would recommend you to do. Just because someone else has approached the problem that way it doesn't mean it's a great solution 🙂 . They might also have different tolerances for the success of this, or they have other layers or fallbacks.
gray atlas
I totally agree with your recommendation and you are right, it is the best way to use actual address verification service
but the PM wants that way, so i am struggling with Stripe,
Actually, we are providing alternative options so I think there won't be any problems with the users who don't have card registered with their current address
rugged dome
I'd suggest going back to the PM with the information I've provided I suppose!
If you go with this approach, as you've discovered for yourself, it doesn't work consistently since the address is not checked until an actual payment is made(and it's quite possible other people who have done things this way don't realise that and don't know it doesn't work as they expect) and has a bunch of other limitations, so maybe time for a rethink of the requirements and to use the right tool for the job.