Hi all,
I endeavored to find out whether there are some use cases for sending
the phone, organization, and recipient fields to merchants when
the PaymentAddress is used in a Basic Card billing scenario.
From my outreach I conclude that (card) information is useful both
for authorization and risk analysis.
@krystosterone pointed to the authorize.net documentation [1] and I
similarly looked at documentation from Braintree [2], Adyen [3],
Stripe [4], and PaySafe [5]. I also spoke with Jonathan Grossar by
phone.
It seems that for authorization, the three fields are not strictly
required. However, for risk assessment (e.g., via 3DS2), I understand
that phone is a useful field.
I also concluded from discussion that "addressLine" should be returned
in the Basic Card response. We had already reached that conclusion on
GitHub.
I have thus updated the pull request so that the redactList for Basic
Card is "organization" and "recipient".
Ian
[1] https://developer.authorize.net/api/reference/index.html
[2] https://developers.braintreepayments.com/reference/response/address/ruby
[3] https://docs.adyen.com/developers/api-reference/common-api/address
[4] https://stripe.com/docs/api/cards/object
[5] https://developer.paysafe.com/en/cards/api/#/introduction/complex-json-objects/recipient
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