#nobody_card-address
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- nobody_api, 3 hours ago, 14 messages
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summer pine
The reason I ask is because I'm pretty sure cards already come with a billing address. I would rather not use the address element if I don't have to. But if it's necessary to prevent fraudsters from spamming payment attempts, obviously i would use it then
warm condor
@summer pine we (Stripe) don't require a billing address for card details. So that's really up to you if you want to collect it or not
nobody_card-address
summer pine
Yeah I understand it's not required. But I saw someone in a thread say if you don't collect a billing address, you will get way more chargebacks. And i'm not sure how true that is
warm condor
I don't think that's true
https://stripe.com/resources/more/what-is-address-verification-service might be a good read?
But we don't really advise on this. We focus on your code and our APIs. You likely should chat with our support team for direct help on a question like yours instead: https://support.stripe.com/contact
summer pine
Fair enough, I know there's a lot of factors at play, I just want to make sure i'm not screwing myself by not collecting billing address too. I've heard stripe can ban you out of nowhere.
I'll just implement it if something goes wrong lol. Thanks
warm condor
yeah I get it and it's important to be careful. We won't ban you for not collecting an address. But it can help to protect from fraud and have better authorization rates
It's all about your preference between maximizing the speed of paying versus asking more info and it's really up to you