Even then e-tailers ignore the result
Last week I ordered some shoes from an online retailer that shall remain nameless. They also have a small number of bricks and mortar stores but since I didn't want to spend most of a day and £12 on a train ticket to get to a store I opted to buy online with free delivery.
I went through the purchase, entered all my details correctly, answered the Verified by Visa stuff all fine, the order went through and my card was charged. The next day they cancelled the order and refunded me because it was scored as a high fraud risk as
1. I live in a flat, and
2. I wanted it delivered to work
The fact that the details I entered for my card (billing address, CVC etc) were all correct, and the 3D verification (generic name for Verified by Visa, or Mastercard Securecode) was also fine was irrelevant. Usually if the 3D security is validated and all other details are correct a retailer should be fine sending stuff to a 3rd party address. Considering their main demographic is the 18-25 age range I can see a lot of them living in flats, unless they still live with their parents.
I had to call them up and explain that I wasn't a fraud risk and I was happy having stuff delivered to a different address. I then had to go through the whole shebang again to place the order which they did process and send thankfully.
On another topic in this thread - if I couldn't have personal stuff delivered to work then I'd only spend a fraction of what I currently do online because the faff wouldn't be worth it. Especially as RM in all their wisdom closed the local delivery office in the village just before Christmas (yes I know!). Before that carded items were available in the DO the next day, now it takes them 72 hours to leave it at the post office branch about 200 yards down the road. FFS.
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