Billing Address - what is it? Cardholder's address

More and more popularity is acquired by online shopping on the websites of foreign stores. It is quite convenient and profitable, but the order processing system is slightly different from the usual Russian buyer. For example, almost always a Billing Address is requested. What it is?

What you need to make sure before you make a purchase

It is worth noting that before you choose products on the site, you need to make sure whether it is possible to pay on the card of the bank of Russia. Usually this information is indicated directly on the website in the sections "Help", "FAQ", "Personal finance" or subsections with the names "Payment Methods", "Credit Cards" (credit cards). If this option you did not find on the resource itself, then on the Internet you will certainly find a blog of this portal or simply a forum with this subject where you can consult with more experienced buyers. It is worth noting that nowadays such an opportunity is almost always present, as the creators of stores are interested to receive profit from more countries.

If you found the coveted phrase on the website of the shop you need: International credit cards are accepted ("Accept international payment cards"), then boldly proceed to ordering. And here, pay attention to the lines Shipping Address and Billing Address. What it is? And what's the difference between them? It is necessary to understand this in advance.

The difference between the types of addresses

If you translate word for word, Billing Address is a "billing address". That is the one you reported when registering your bank card. It is on him that you receive letters from the bank. But if you forget it, do not hesitate to clarify this information with a bank employee.

The system for checking this address is actively used in the USA. It allows you to verify the identity of the buyer. And, it is possible that when you fill out the appropriate form, you will not find Russia. Then write any other country. Often for foreign buyers this is only a formality. Although, of course, it is better to be safe. Your address can be verified by the seller yourself, manually, by contacting you at the specified phone number or by e-mail.

Now you should learn more about the shipping address. This is already the delivery address itself. It can differ from those details that you indicated as "payment". It depends on where and to whom you deliver this package. Check if the store is delivering to the Russian Federation. Enter the address carefully, exclusively in English. If you specify it in Russian, an error can not be excluded when sending.

In the event that delivery to Russia is not made, you can use the services of LiteMF. You contact an intermediary in America who will forward the parcel to you. Then in the line Shipping Address you will have to specify its address. All the necessary information can be found in your account on the website. It is worth adding that the delivery through an intermediary, as a rule, is cheaper, strange as it may sound. Although almost all foreign websites can be sent to Russian citizens. Often, you can find even more than one delivery option, which will differ in time and cost.

Be attentive to the policy of the site. On some foreign resources, if the two above addresses coincide or, on the contrary, the order does not coincide, the order will automatically be canceled. Then on the e-mail message will come with a request to contact their support service. But do not worry, your money will not be lost anyway, the account on the site will be unlocked.

Read all the information you need in advance. It is always registered. It is better to know right away what the store sellers require of you, than to carry out additional operations to unlock your money or return the goods.

In foreign banks check Billing Address: what is it?

As noted above, Billing Address is translated as "billing address". This concept came to us from foreign banking systems. This is the address of the cardholder with whom payment is expected to be made. On these details the receipt of statements from his accounts occurs. In the column "billing address" the customer specifies his residential address. It is used for additional verification and reduces the risk of fraud.

This card props are widely used in the banking system of the United States and European countries, but it does not exist in Russian banks. Despite the fact that the cards of the Russian bank do not have a billing address, stores abroad continue to accept them as payment props. How is this payment system checked?

How to check Billing Address

What it is? In foreign banks introduced a system called the Address Verification Service (AVS). It is designed for automatic verification of compliance Billing Address, entered in the online store, the real residence of the owner of the electronic card. Due to the absence of this requisite in Russian banks, automatic verification of AVS for Russian citizens is impossible.

There are three options for verifying the transaction on the Russian card:

1. You can skip the transaction, even though Billing Address verification is not possible.
2. Conduct additional actions for manual verification.
3. Transaction rejection.

These options need to be considered in more detail.

Transaction completed

Foreign shops have extensive experience selling goods abroad and are familiar with the differences in the payment systems of the US and other countries. If they reject all requests for purchase from foreign citizens who do not have Billing Address, it will not slow down their income. For such citizens, automatic reconciliation is not carried out, but the payment address data is stored in the electronic database for additional verification.

additional verification

The seller has the opportunity to manually check all entered data before carrying out the transaction. There are only two methods of manual verification:

1. Please send a scan of the paid invoice, passport scan or other document that can confirm your billing address (in English).
2. A request to your bank to match the information you entered in the Billing Address with the address available in your bank account. Due to the fact that there is no "billing address" in your bank card, the only thing that your bank's employees have to do is check the information received with those you indicated in the card's personal data (for example, address of residence or registration).

When a transaction is impossible

If the foreign store does not have the opportunity to verify the payment address, then the transaction is impossible. All attempts to pass it will be rejected. There are very few such stores abroad, but they are there.

What to enter in Billing Address

When paying for goods in most stores abroad, by filling in the Billing Address field, you can enter any address in English. There is a high probability that these data will still pass. To exclude the problems associated with additional checks by the seller, enter your valid address in the appropriate field. This may be the place of your registration or your permanent residence.

How do I fill in this line?

As mentioned above, the Billing Address field on the foreign site is filled in only in Latin script. Translation of words into English is not required (not only street names, but also words like "prospect", "lane" and so on). At the beginning of the line, the name of the street, followed by the number of the house, building and apartment number. A sample of this field may look like this: ul. Sovetskaya 140-32. It is highly recommended that you do not specify non-existent addresses (for the reasons stated above).